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Market Watch

Markets at a Glance

May 19, 2012 @ 09:03 AM

Dow Jones Industrials	12,369.38	- 73.11
Nasdaq Composite	2,778.79	- 34.90
S&P 500	1,295.22	- 9.64
10 Year Treasury Note	1.70	-
Wilshire 5000	13,514.18	- 114.94

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Market data delayed per exchange rules.
All quotes are in US Eastern Time (EST).
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Articles

Cash Management

Cash Management Basics

Doubling Your Money

Cash Management Tools

Money Market Funds

College Financial Aid

Effects of Inflation

Estates & Trusts

Estate Planning

Avoiding Probate

Charitable Gifts

Controlling the Distribution

Paying Estate Taxes

Gifting Strategies

Charitable Lead Trusts

Charitable Remainder Trusts

Wealth Replacement Trusts

Family Limited Partnerships

Property Ownership

History of the Federal Estate Tax

Investing

Diversification

Mutual Funds vs. Stocks

Closed-End Funds

Mutual Fund Loads

Fixed vs. Variable Annuities

Investment Risks

Asset Allocation

Stock and Bond Alternatives

Dollar-Cost Averaging

Retirement

Planning Options

Future of Social Security

Social Security Income

Self-Employed Retirement Plans

Retirement Plan Distributions

Traditional IRAs

Managing Retirement Plans

Save Now or Save Later

Risk Management

Term Life Insurance

Whole Life Insurance

Universal Life Insurance

Variable Life Insurance

Insurance Claims

Maximizing Your Insurance Benefits

Insuring Your Future

Protecting Your Home

Assessing Disability Income Insurance

Types of Health Coverage

Additional Liability Coverage

Evaluating Insurance Companies

Long-Term-Care Costs

Medicare Coverage

Tax Planning

Tax Strategies for Retirement Plans

Tax-Free Investments

Mutual Fund Profits

Tax-Free Insurance Upgrades

Newsletters

May

HOT TOPIC: American Manufacturing: Rebound or Renaissance?

Investing in the Future

Averaging Ups and Downs

Pick Up This Split for Long-Term Retirement Income

Designating Retirement Plan Beneficiaries

Small Companies Face Costly Cybersecurity Threats

April

HOT TOPIC: Could High Oil and Gas Prices Derail the Recovery?

Tax Changes for 2012

Doing Your Heirs a Favor

There’s Still Time to Catch Up

Understanding the Appeal of Share Buybacks

Preparing to Turn the Corner

March

HOT TOPIC: Breaking Down the Proposed FY 2013 Budget

Where There's a Will, There's a Way

Diving into Dividends

Balancing Stability and Growth

Rethinking the Role of Household Debt

Lessons from a Perilous Year

February

HOT TOPIC: Why Watch the Employment Situation

GDP: Measuring the Economy

Tracking the Rise of Target-Date Funds

Keeping Pace with Social Security

Retirement Plans for Small Businesses

Do You Have Enough Disability Coverage

January

HOT TOPIC: Looking Ahead in 2012

Growth, Value, or Both

Insurance for Two Could Benefit Your Heirs

For Better, For Worse: Communicating About Retirement

Are Consumers Holding the Keys to a Better Economy?

Retaining MVPs with Executive Bonus Life Insurance

December

HOT TOPIC: European News Causes Market Mood Swings

Be Ready for a Change in Interest Rates

Leaving Your Home Out of the Retirement Equation

Another Year, Another AMT Patch

The Financial State of the States

Help Chart the Future of Your Family Business

November

HOT TOPIC: Understanding the Three New U.S. Trade Agreements

To Roll or Not to Roll: It's Your Choice

Giving Strategies That Can Give Back

Variable Annuities and Your Retirement Strategy

The Dynamics That Can Drive Inflation

Is Your Business Ready for a Structure Change

October

HOT TOPIC: Will Federal Reserve Tactics Help the Ailing U.S. Economy?

Ways to Save More

ETFs for the Conservative Investor

New Opportunity Under the Federal Gift Tax

Tax-Efficient Investments for the Tax-Averse

Protection from a Range of Liability Claims

September

HOT TOPIC: Breaking Down the Debt-Ceiling Compromise

Bring Your Life Insurance Home From Work

Using Living Benefits for Retirement Income

Federal Estate Tax Is Much Lower — For Now

What Do Price/Earnings Ratios Really Have to Offer?

Settling on a Salary

August

HOT TOPIC: Why Global Investors Are Worried About European Debt

What Kind of Investor Are You?

Rising Popularity of Roth IRA as Retirement Vehicle

Earning Income from Mutual Funds

Evaluating Life Insurance Needs

When Key Players Can't Work

July

HOT TOPIC: Are Housing Troubles Standing in the Way of Growth?

Tips for Surviving the Estate Tax

Finding a Good Time to Invest

Favorable Dividend and Capital Gains Tax Rates Extended—for Now

Managing Cash When Interest Rates Are Low

Put It in Writing

June

Using a Variable Annuity for Guaranteed Income

The Difference Between the Debt and the Deficit

Deciding When to Begin

Understanding the Appeal of Mutual Funds for High-Income Households

Tax Law Keeps S Corporations Attractive

E-Seminars

Estate Planning

Financial Management

Our Associates

Tax Library

Tax Publications

TaxWise Strategies

Calculators

Cash Management

Cash Flow Analysis

Lifetime Earnings

Financial IQ Test

Loans & Credit Cards

Home Affordability

Mortgage Refinancing

Mortgage Acceleration

Credit Card Debt

Car Affordability

Retirement & Inflation

Cost of Retirement

Required Minimum Distributions

Impact of Inflation

Retirement Plan Early Distribution

Personal Inflation Rate

Retirement Portfolio Lifespan

Risk Management

Life Expectancy

Long-Term Care Self Insurance

LTCI Cost of Waiting

Disability Income Insurance

Saving & Investing

College Funding

Savings Accumulation

Taxable Equivalent Yield

Capital Gains Taxes

Taxes & IRAs

Federal Income Tax

Tax-Deferred Savings

IRA Eligibility

Roth IRA Conversion

Glossary

Affiliated Offices

Featured Links

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*Deborah A. Towers is a registered representative registered to transact business with clients in the state of Colorado, California, Florida, Massachusetts, New York, North Carolina and Washington. Deborah A. Towers is also an investment advisor representative licensed in the state of Colorado, California, Florida, North Carolina and Massachusetts. Deborah A. Towers is insurance licensed in the state of Colorado. If you are not a resident of the states noted above, all investment-related information on this site is for informational purposes only and does not constitute a solicitation or offer to sell securities, investment advisory services or insurance services over the internet. Securities offered through H.D. Vest Investment Services^SM, Advisory Services offered through H.D. Vest Advisory Services^SM, Member: SIPC, .

Gale Hatley is a registered representative registered to transact business with clients in the state of Colorado. If you are not a resident of the state noted above, all investment-related information on this site is for informational purposes only and does not constitute a solicitation or offer to sell securities or insurance services over the internet. Securities offered through H.D. Vest Investment Services^SM, Member: SIPC.

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Towers Wealth Management, Inc. is not a registered broker/dealer or independent investment advisory firm and can not directly offer investment advice or services.