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HOLISTIC NEWS

“Success is to be

measured not so

much by the position

one has reached in

life, as by the

obstacles which one

has overcome to

succeed.”

Booker T. Washington

In This Issue

• Cybersecurity

• Health care changes

• Breast cancer focus

• HWA’s new website

• 529 account changes

MARKET OUTLOOK GOING INTO 4Q US large cap stocks continued to move

higher during the quarter, marking the

seventh consecutive quarter of gains.

Conversely, international markets faced

greater headwinds. Currency moves were a

major factor weighing on returns in globally

diversified portfolios. The US dollar rose

over 8% versus both the yen and the euro,

which detracted from international returns

when translated back into US dollars. However, in local currency terms the MSCI EAFE

Index rose 0.98%, including a 5.91% gain in Japan. It is noteworthy that currency moves can

reflect shifting leadership in the global economy over time.

Economic indicators suggest that the US is on firmer footing than other developed

markets, with the Federal Reserve discussing moves toward a more normalized policy

stance over time. Conversely, global central banks in Europe, Japan and China are

incorporating more accommodative measures to spur growth. While global diversification

was challenging for US-based investors during 2014, international investments could see

future benefits with moderation in US growth and global central bank efforts to stimulate

activity.

Despite the favorable economic backdrop supporting US stocks, valuations remain

elevated. The cyclically adjusted Shiller P/E ratio ended the quarter at 26, above its longer-

term average of 17**. Further, forward-looking valuation measures suggest more attractive

opportunities in international markets, particularly Europe. While low interest rates have

helped support higher valuations, US rates may rise going forward. As the quarter closed,

we saw volatility increase in equity and fixed income markets, which can lead to expanded

opportunities for broadly diversified portfolios that blend together traditional and more

flexible asset allocation approaches.

* Article supplied by Assetmark

** Source: Ibid

What’s New at Holistic Wealth Advisors October, 2014

2014 Referral

Raffle Contest!!

For each referral you send to

HWA you will be entered into

our end of year raffle draw-

ing for a $100 gift card!

Do you have a friend,

neighbor, colleague, or

family member that is:

- Retiring?

- Moving?

- Tired of D.I.Y.?

- Ready to invest?

- In need of professional

wealth & retirement

planning?

- In need of Long Term

Care Insurance?

- Selling a business?

If so, please forward our

office number and email

or call our office with

your referral infor-

mation. We will gladly

set up an appointment

and review their person-

al situation.

Please remember your

personal data will always

remain private.

Breast Cancer Awareness For the past several years, Holistic Wealth Advisors in partnership with

our clients, has generously supported the Russian orphanage where

Stacy and Sam adopted their 3 children. Our donations have been crucial

in providing clothing and other greatly needed items to the children in

the orphanage. Since adoptions with the USA were stopped 2 years ago,

it has become increasingly difficult to continue with this effort so we

have decided to shift our efforts in a different direction.

Many charitable organizations are worthy of our support but it’s

important that there is meaning behind our efforts. All of us here at

Holistic Wealth Advisors and many of our clients have personally

experienced a breast cancer diagnosis or had to suffer alongside a loved

one’s battle against this all too common disease. In proud honor of our

family, friends and loved ones who are survivors and in loving memory

of those who lost their battle, this year we will collect donations for the National Breast Cancer

Foundation. Checks can be made payable to the National Breast Cancer Foundation and mailed or

brought to our office. We thank you for your support with this cause that is so important to us all!

For Those Who Are Turning 26

For many of the very youngest children of the 1980s, next year marks the last time they might be on

their parents' health care plans.*

Under federal law, young adults who are covered under their parents’ health care plan can stick with

that coverage through their early 20s, even if those young adults are married, are eligible for their

employers’ health plans or are financially independent. But that ends after they turn 26.

So for our clients or their children who were born in 1989, the year 2015 could mean significant changes

in their health care.

Steps for 25-Year-Olds Who Are on a Parent’s Health Plan:

1. Check with your insurer to find out exactly when you will be cut off.

2. Find a health plan on the federal Health Insurance Marketplace or your state’s equivalent, ideally

within the special enrollment period that lasts 60 days after your 26th birthday so you don’t have to wait

for an open enrollment period. (If you miss the 60-day window, see if you qualify to get a plan at other

times.) You may qualify for tax credits to subsidize your costs.

3. Face a potential payment for not having insurance. The fee for 2015 for a single adult is $325 or 2

percent of your income above a certain threshold, whichever is higher. The fee rises again in 2016 and is

adjusted for inflation after that. Without coverage, you’ll be on your own for paying medical expenses

like routine checkups, flu shots, prescription drugs or emergency room visits.

*Article supplied by Transamerica

“It's not how much we give but how much love we put into giving.”

- Mother Teresa

Go Figure

23%

Percentage of mar-

ried couples with

kids where the wife

earns more than the

husband.

37%

Percentage of house-

holds, lead by an

adult under 40, that

have student debt.

2/3 Number of parents

who are not confi-

dent in reaching their

college savings goals.

7.1 million The number of

grandparents whose

grandchildren under

18 years old were

living with them.

141 million Americans who have

at least one chronic

condition such as

diabetes

69 Age of Ronald

Reagan when he be-

came the oldest

elected President.

“Go Figure” provided by

Transamerica Investments

Stay Safe Online As you may be aware, earlier this month, JP Morgan

Chase announced that it had been the target of a

cyberattack, leading to a data breach of information af-

fecting millions of customers and businesses. Many of

you may have investments with JP Morgan, and may be

concerned about how this breach affects you. It is im-

portant to note that per JP Morgan, the data breach af-

fected only personal banking clients – investment clients

holding mutual funds were not affected. In addition, the

information captured was not sensitive information like

social security number or account numbers, but instead

was name, address and email information.

Although our investment clients who use JP Morgan

were not affected, we would like to take this opportunity to remind all of our clients of the importance of

online security.

1) Do not answer requests for identifying or sensitive information via email – no legitimate business will

contact you via email asking for your account number or social security number. This is usually an attempt

at phishing – where a cyberthief is looking to get sensitive information like user names and passwords by

masquerading as a trustworthy entity (like your bank, credit card company, etc.) and re-directing you to a

counterfeit website. Emails may look legitimate and even have a trusted company’s logo –but never re-

spond to these requests for personal information via email.

2) Never put sensitive information in an email - remember, because of data security issues, anything put

in an email can be subject to hijacking by a cybercriminal. This even includes items in attachments to

emails. Sometimes, using a telephone or fax can be the better and more secure way of communicating.

3) Don’t answer emails from people you don’t recognize.

4) Make sure you have up-to-date security software on your computer – ideally, you should have anti-

virus, firewalls, and browser security. Most companies offer “security suites” which include multiple types

of protection for your computer.

5) Change your passwords and user names regularly, and make sure that they are not easy to decipher.

So-called “strong” passwords have a mix of numbers, letters and special characters. In addition, use a mix

of lower and upper case letters. Also, use different passwords for different websites. That way, if one ac-

count is compromised, your other online accounts are still protected.

Remember this information pertains to all devices that connect to the internet. Not just for computers

anymore, we now need to be just as careful with smartphones, gaming systems and any other web-enabled

device.

For more tips on online safety, you can visit www.staysafeonline.org.

Newsletter Courtesy

of Your Holistic Team

Stacy Clifford

Lakshmi Nagarajan

Sarah Blass

Sam Clifford

Raymond Kidalowski

Cynthia Anslow

Sue Donovan

Terence Ruso

H. Paul Thomas

Lillian Helmedach

Rita Young

Sue Miniter

LOOK For Our New Website!

We have been diligently working on a new

website to enhance your HWA experience. Our

new web platform will bring you the latest technol-

ogy with an extensive selection of multi-media re-

sources to deepen your knowledge of your finan-

cial lifestyle. The new client interface is simple to

use and provides a very entertaining experience as

you browse our award-winning library of videos,

presentations, and articles.

Our new site will be seamlessly integrated to all

of our social media outlets and will be directly

linked to our new HWA app for your iPhone or

Android (app coming in 2015). Please stay tuned.

Changes to JP Morgan 529 Statements

On or about Friday, October 31, 2014 JP Morgan will be converting its New

York’s 529 Advisor Guided College Savings Program to a new recordkeeping plat-

form. Your new account statements will no longer show an “Account Number”

but will be replaced with a new “AB Number” (which will be the new account

number for your Plan). You do not need to take any action regarding this adminis-

trative change. However, we do want to make you aware of these changes that

you will see.

Contact Us Please contact our main office for more information about our services

Holistic Wealth Advisors

19 Clifton Country Road

Suite 3B

Clifton Park, NY 12065

(518) 357-3858

info@holisticwealthadvisors.com