Investment Planning

Educational Investing
With the cost of education on the rise, families are facing increased challenges in funding their children's education, whether the funding is needed to cover the cost of private schools or college. Thankfully, there are a number of options available to help fund your children's, grandchildren's or other relatives education. We can help you to determine which options are available in your area and which are the most appropriate for you.
NJBEST is now available, the 529 plan developed for the residents of New Jersey by Franklin Templeton.  With numerous benefits, this plan may be the college investment tool you are looking for. 

NJBEST offers benfits on both state and federal taxes.
Possible "scholarship" for instate residents.
Anyone can invest for the future student.

Click on hahn.jeff@pennmutual.comto get more information on NJBEST, the state sponsored 529 College Savings Plan for New Jersey.

The Changing Landscape of College CostsState-sponsored 529 plans allow you to donate as much as $11,000 per year ($22,000 for married couples) for a child’s higher-education expenses. Your 529 plan funds can grow tax deferred, and withdrawals made for qualified education expenses are free of federal tax.

Plans may be structured as prepaid tuition programs, which allow you to pay for tomorrow’s education at today's rates, or 529 savings plans, which invest in a variety of age-based portfolios that typically become more conservative as the time for college nears.

How much will your child's education cost? Click here to find out!

Section 529 College Savings Plans
Plan for College With a 529 College Savings Plan
529 Plans: High Scores For 529 College Savings Programs

An investor should consider, before investing, whether the investor or designated beneficiary’s home state offers any state tax or other benefits that are only available for investments in such state's qualified tuition program.

Coverdell ESA's (Educational IRAs)
Once known as the Education IRA, the Coverdell ESA allows you to contribute up to $2,000 a year to each child (under age 18). You maintain control of the investments, which potentially can grow tax deferred and may be withdrawn free of federal taxes for qualified expenses. Funds may be used to cover not only college but also elementary and secondary school expenses, including tuition, books, room and board, uniforms, supplies -- even a computer.++

Contributions to ESAs are restricted for those whose modified adjusted gross income exceeds $95,000 (single filers) or $190,000 (joint filers). Also, because ESA funds become the student's asset at age 18, they may limit financial aid eligibility.

++ Qualified withdrawals from 529 plans are limited to higher-education expenses; they may not be used for elementary or secondary school expenses. The tax implications of 529 plans should be discussed with your legal and/or tax advisors because they can vary significantly from state to state. Also note that some states’ 529 programs may provide advantages and benefits exclusively for their residents and taxpayers.

Would you like to receive a FREE Educational Investing Kit?

Full Service Brokerage Accounts Our asset management account provides you with the following benefits:

• A choise of multiple money market funds including national and state tax-free funds
• Online banking services
• Simplified consolidated statements with no monthly or annual fees
• Unlimited free check writing with no minimum dollar amount
• A MasterCard debit card with free worldwide ATM access and the ability to participate in incentive programs and special promotions
• At tax time, a year-end recap of all checking and debit card activity
• Asset proterction up to $50 million*
• HTK is a member of SIPC which protects securities customers of its members up to $500,000 (including $100,000 for claims for cash.) Explanatory brochure available upon request
• Additional coverage up to $49.5 million is provided by a leading insurer

*Note: This coverage does not protect against losses due to market fluctuation or the quality of investments.

Investment Research & Analysis
Serious investing not only requires that you have a complete understanding of your goals, objectives and tolerance for risk, but also a thorough knowledge of how, when, where and by whom your portfolio is being invested. Through our representatives - or online through your home computer - we give you access to the latest industry research and analysis, company news and information, background reports on many local, regional and national companies, and mutual fund reports covering a broad spectrum of companies.

Complete Financial Planning Services
Investing for the long term - whatever your ultimate objective may be - requires more than just a strategy. It requires attention to detail, monitoring of results, and when appropriate, the ability to make changes. As an investment client, we offer you a wide range of asset allocation and management programs; estate, retirement, insurance, and educational planning opportunities; complete tax planning services; access to pension and progfit sharing plans including 401(k) & 403(b) plans; and personal trust services. In short, a complete selection of personal financial planning options.

As an investment client, you not only have access to a full range of investment product and services designed to help you meet your unique and specific financial needs, but also to sound financial advice and planning strategies based upon our 30 years of collective experience. Whether you're considering investing in mutual funds, stocks, bonds annuities, managed accounts, life insurance or other products, we can help you develop an asset allocation strategy that will help you meet each and every one of your investment goals - even as those goals change and evolve over the years.


 

We develop our financial programs with your long-term savings goals as a guide. Whatever your goals may be - helping your children afford college; paying for a wedding, a family trip, or a vacation house; early retirement; or being able to leave a legacy to your heirs or a favorite charity - we can help you establish a plan for accumulating wealth utilizing such products as:

Annuities Annuities come in many different forms to meet your specific needs. An annuity can be deferred or immediate, can provide fixed or variable** investment options, and can either be part of a non-qualified or qualified retirement plan. Annuities are generally best suited as long-term investment vehicles.

Should I Choose A Fixed Or Variable Annuity?
Saving A Little Extra With An Annuity


Mutual funds are pooled funds that invest in stocks and bonds with a full spectrum of investment objectives, from conservative to aggressive.

How Do Mutual Funds And Stocks Differ?
What Can Mutual Funds Offer Me?
What Types of Mutual Finds Are Available?

The stocks of corporations, including small-, mid- and large-capitalization.

Stock Are Rising -- What Should I Do?


The fixed-income instruments issued by corporations and government entities.

What Should I Know About The Bond Market?
What Can a Series EE Savings Bond Help Me Do?
Test Your Bond Knowledge


A permanent insurance policy that also offers an opportunity to build cash value via guaranteed interest rates or variable investments. (Please note that all guarantees are based upon the claims paying ability of the issuer.)

Here are some additional investment related articles and tools that might be helpful to you:

Positioning Your Portfolio for Good Times and Bad
Put Your Cash To Work
What is your risk tolerance for investing? Click here to find out!
Are you on pace to meet your savings goals? Click here to find out!




**Securities and Investment Advisory services offered through Hornor, Townsend & Kent, Inc.

Copyright © 2003 Jeffrey S. Hahn & Associates

Questions? Comments? Click Here and contact us directly!Cash Value Life Insurance**Bonds**Stocks**Mutual Funds**