Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC

The opinions expressed in this material

are for general information only and

are not intended to provide specific

advice or recommendations for any

individual. To determine what may be

appropriate for you, consult your

financial advisor.

Inside this issue:

OFFICE NEWS 2

COMMUNITY EVENTS 3

CONTACT US 4

THINGS TO KNOW BEFORE INVESTING IN CHINA

4-5

Lifestyle & Financial

Newsletter

Volume 3, Issue 10

October 2013

Financial Planning Week October 7-13

Financial Planning Week is a celebration to help individuals discover the value of financial planning and make smart financial decisions to achieve life goals and dreams. Below are some ways to celebrate Financial Planning Week that can help start you on the path to making smart financial decisions.

• Balance your checkbook

• Make a monetary contribution to your favorite charity

• Start a savings account for a child, vacation or a gift for yourself

• Help teach your children how to save and spend wisely

• Get your estate in order: • Create or revise your will and other estate-planning documents

• Call your financial planner and share your appreciation for their service

• Pay off a credit card

• Get a head start on college — investigate college planning options

• Establish an emergency fund

• Evaluate your employee benefits and begin planning for open enrollment

• Develop your holiday spending budget

• Plan for year-end tax strategies

• Purchase a session with a financial planner for a relative, friend or colleague

• Give a relative, friend or colleague a subscription to a personal finance magazine

• Invite a financial planner to speak at your workplace

• Review your insurance coverage

• Write down your financial goals and revisit them periodically

• Start using personal finance software to help you better understand your money

• Look up three financial terms that have baffled you and resolve to understand them

• Talk to a relative about their plans for long-term care - Financial Planning Association

Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC

VOLUME 3 , ISSUE 10 Page 2

Office News

Know someone that could use Ed’s help with retiring?

Now is your chance to help get that friend or family member on the path to a suc-cessful retirement.

In October, Ed will be holding a series of FREE retirement income workshops entitled “Life After Work: How to Create a Sustainable Income Stream in Retire-ment” Ed’s goal is to be able to educate perspective clients in our communities who are preparing for or have just retired on how to get the most out of their re-tirement years when it comes to their finances. As our existing clients know, Ed is passionate about helping his clients manage their finances in preparing for and through out their retirement years and is looking forward to being able to help others that are in need of his expert knowledge and guidance. We are always happy to welcome new clients into our Harris Wealth Management family. If you know someone you would like to help on their road to a financially successful re-tirement, let them know about one of our upcoming workshops by cutting out the below section of our newsletter and passing it along!

Watch your thoughts, for

they become words.

Watch your words, for

they become actions.

Watch your actions, for

they become habits.

Watch your habits, for

they become character.

Watch your character, for

it becomes your destiny.

“I have retired over 200 times, so “I have retired over 200 times, so “I have retired over 200 times, so “I have retired over 200 times, so

you only have to retire once!” you only have to retire once!” you only have to retire once!” you only have to retire once!” ®®®®

— Edward J. Harris, CPA

FREE One-Hour Retirement Workshop

Life After Work:

How to Create a Sustainable Income Stream in Retirement

Thursday, October 2, 2013 at 2pm & 7pm

Ramada Inn, Washington, PA

Wednesday, October 9, 2013 at 2pm & 7pm

Courtyard Marriot, Settler’s Ridge

Tuesday, October 15, 2013 at 2pm & 7pm

Crowne Plaza, Fort Couch Road

TO RSVP, CALL 724-942-3300

Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC

Pennsylvania Arts and Crafts Christmas Festival

October 18th-20th and 25th-27th

VOLUME 3 , ISSUE 10 Page 3

Ghosts and goblins and witches… Oh my!

October has begun and in just a few short weeks it will be time for trick or treat and carving jack o’lanterns. While you wait for October 31st to get here, we have found some other October events going on around the area to keep you entertained through out the month.

Community Events

September 27th - October 20th The Rubber Duck Project —Point State Park

Every weekend in October Art Under Glass Fall Festival—McDonald, PA (Bedner’s Greenhouse)

October 5th Jerry Seinfeld—Benedum Center

October 5th Fall Fest and Classic Car Show—Fredricktown, PA (Community Square)

October 5th-6th Apple Festival—Houston, PA (American Legion Grounds)

October 6th Celtic Thunder— Benedum Center

October 7th Marilyn Maye—Cabaret at Theater Square

October 17th-20th Broadway and Beyond with Brian Stokes Mitchell—Heinz Hall

October 18th-20th; 26th-27th Pennsylvania Arts and Crafts Christmas Festival—Washington, PA

October 27th Antiques Fair—Washington, PA (Consol Energy Park)

Rated the #1 Christmas Show in Pennsylvania!!!

Get an early start on your Christmas decorating and holiday shopping!!! Explore an abundance of arts, crafts and foods at over 230 booths in six heated buildings!

See many of the region’s best artists and craftsmen displaying their finest crafts including functional and decorative wood, appliquéd & embellished clothing, per-sonalized Christmas ornaments, dried and silk floral arrangements, photography, prints, painted glass, jewelry, fabric décor for your home, children’s toys, scented candles, unique gift items, tapestries, decorative flags, soft sculpture, personal-ized signs, pet treats and collars, purses and much, much more!!!

Sample delicious pre-packaged foods including dip and drink mixes, toffee, candies, fudge, cinnamon roasted almonds & nuts, kettle korn, strudel and baked goods! En-joy a feast of festival foods sure to satisfy the heartiest of appetites!

Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC

Thinking of investing in China? Here are some things you need to know.

• China’s new government is sending clear signals: It wants the mainland stock market to appreciate. This is not proving difficult given that valuations were near historic lows for the century.

• Why does China want a stronger stock market? Presumably it could help build confidence in the economy, just as underperfor-mance for more than three years prior to December 2012 had un-dermined confidence, including among foreign investors and busi-nesses with an interest in China.

• Also, a performing stock market would attract local interest and possibly reduce the obsession with prop-erty investments which led to inflationary problems.

• A recent report from Oriental Patron in Hong Kong, titled “China ─ 2013 Outlook,” offers some interest-ing insights:

• China's debt, as a percentage of Gross Domestic Product (GDP), at the end of 2011 was only 43.5 percent, versus 205.5 percent for Japan, 67.8 percent for the U.S., and 165.3 percent for Greece.

• Chinese leadership tends to set slightly conservative growth targets. China’s growth for the next five years has the potential to be in the range of 7.5 to 8 percent as a result of the following growth driv-ers: demographic composition, and investment in information, technology, and universal healthcare.

• As to the long-term outlook, China will likely account for one-third of global GDP by 2030.

We’re on the web: www.harriswm.com

4160 Washington Road Suite 1

McMurray PA 15317 Phone: 724-942-3300 Fax: 724-942-3313

Email: Edward.harris@lpl.com Jamie.blayney@lpl.com Sara.kersnick@lpl.com

www.facebook.com/harriswealthmanagement

@HarrisWealthMgt

www.linkedin.com/edharrisandharriswealthmgmt

Things to Know Before Investing in China

VOLUME 3 , ISSUE 10 Page 4

(Continued on pg 5)

Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC

Things to Know Before Investing in China (continued from pg 4)

• Inevitably, all multi-year projections involve a considerable degree of conjecture, so let me add the necessary caveat: The figures above would depend on if all goes according to plan which seldom happens.

• There are plenty of concerns including the government’s dictatorship. Will Xi Jinping be able to reduce corruption throughout China? Will China's increasingly educated and often entrepreneurial managers, who did not have strong political connections, tolerate a privileged ruling class? Political stability is essential for China's development, but its leaders also need to develop the skills and aspirations of the entire population.

• Despite these concerns, China remains an economic powerhouse.

• The new government is in the early stages of implementing very significant economic changes. Basically, manufacturing and exports would no longer be the top priorities. China, instead, will focus more on consumer welfare issues, including affordable housing, healthcare, a significant reduction in pollution, and wealth distribution to reduce poverty and considerably increase middle-class growth. To succeed, the government also needs to tackle the formidable problems of corruption.

• There’s much to know before investing in China. The key is to arm yourself with the information you need to make a sound decision.

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which investment(s) may be appropriate for you, consult your financial advisor prior to investing.

The above material was prepared by Peak Advisor Alliance.

VOLUME 3 , ISSUE 10 Page 5