Fall 2013

914 Sixth Avenue, DeWitt, IA 52742

Securities and advisory services offered through LPL Financial, a Registered Investment Advisor, member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates.

Vosler Investment Group and LPL Financial are separate entities.Not FDIC Insured • Not Bank Guaranteed • May Lose Value • Not Insured by any Federal Government Agency • Not a Bank Deposit

Check out the new look to your On-Line Account Viewservice. With usage of Account View continually increasing in popularity, LPL Financial has made numerous enhancements to the Account View featureto allow for a broader more robust experience. We know that information is knowledge and makingthat information useful and easy to draw on will giveyou a tool to understand what is taking place in your investment portfolio between our regular scheduled review meetings.

In addition to the enhancements toLPL Account View, we have availableEMoney@ for those that wish tostreamline, monitor and evaluate theirfinancial situation in a much deeperway. The EMoney@ is much more than an electronic statement, it is acomprehensive Financial PlanningTool. With this tool you can group together all of your financial recordsfor easy viewing. It provides PersonalFinancial Statements, like BalanceSheet, Cash Flow reports and even projects possiblefuture outcomes. If you are interest in the premium reporting capabilities to help you organize andtrack your financial life, we can help you get setup with EMoney@.

Alongside the enrichment to your on-line tools, wewill cover two topics of vital importance in proper investment planning decisions - taxes and health care cost. These two expenses can be significant

throughout a person’s retirement.Go into your retirement withoutplanning for these costs andyou will likely pay more thanis necessary. The starting pointto making a good decision isto know your options.

Wise investorsknow that it isnot what youmake, but rather what you keep thatis a measurement of investment success. The profits of an intelligentinvestment selection can be cut significantly once the taxman takeshis/her share. For that reason taxstrategies play an essential role in well crafted and thought-out investment advice.

Like taxes, health care costs can consume much of a retiree’s savings.

Long Term Care costs associated with a nursing homestay costs can run hundreds of thousands of dollars. Fortunately there are strategies to reduce the impactof such expenses. Read further within the Newsletterto find out possible ways to protect your hard workfrom the impact of rising healthcare costs.

MISSIONTo provideknowledge,

guidance andunderstandingwithin a warm,

caring atmospherefor those

individualsfocused on

reaching and maintaining a

comfortableretirement.

Conveniently located at First Central State Bank

DeWitt 659-5139 914 Sixth Avenue, PO Box 223

DeWitt, IA 52742

Located At Gateway State Bank – Clinton 243-6181

www.voslergrouplpl.comE-mail address: barry.vosler@lpl.com

The Basics of Long-Term Care Insurance Thinking about the need and the costs of long-term care is enough to makeanyone uncomfortable. But while it's a difficult subject to talk about, it's alsoa topic that often generates lots of questions and misunderstanding.

Consider this: The average cost of nursing home care in the United Statesnow exceeds $87,000 per year, with wide-ranging variations from state to state.*

Who Pays?

For the most part, those who need long-term care are left to foot the bill ontheir own. Neither Medicare, nor Medicare supplemental coverage ("Medigap"),

nor standard health insurance policies cover long-term care unless you are impoverished. That's why long-term care in-surance is so important. Since premium costs are based on your age and health at the time of purchase, the youngerand healthier you are when you purchase a policy, the lower the premium you're apt to pay during the life of the plan.

As you evaluate long-term care insurance, keep the following variables in mind:

• Coverage Parameters. Policies will differ in the types of services they support. Be sure to choose a policy that best meets your particular needs.

• Benefits Payout. How much does the policy pay per day for care in a particular setting? How does the policy pay out? (e.g., a fixed daily amount, as reimbursement for the cost of care up to a daily maximum?) Does the policy have a maximum lifetime limit?

• Eligibility. Does the policy use certain "triggers" to determine benefits eligibility, such as the formal diagnosis of an illness or disability? What is the maximum issue age for the policy?

• Women May Need More. Longer life spans for women may signal the need for additional coverage.

Finally, keep in mind that most long-term care policies sold today are federally tax qualified, which means premiumspaid and out-of-pocket expenses are deductible. Also, long-term care benefits received are not taxed as income up tocertain limits.

*Source: MetLife Market Survey of Nursing Home and Assisted Living Costs, 2011.

© 2012 S&P Capital IQ Financial Communications. All rights reserved.

P A G E 3

New and Improved Account View LPL Financial is getting ready to roll out a new and improved Account View system. Based on state-of-the-art technology,the new Account View offers an improved user interface, streamlined navigation and manynew features that enhance your overall experience. The updated interface and intuitivelayout provide easy access to your information (e.g., portfolio summary, specific account detail, position detail, transaction activity and statements). The new Account View is compatible with Safari, Chrome, Firefox, and Internet Explorer8, 9, and 10. You will still be able to access the new Account View throughour website www.voslergrouplpl.com or you can go to www.myac-countviewonline.com. For those currently accessing Account View youwill be required to complete a one-time verification process before gettingstarted with the new Account View. The new Account View will be availablestarting on October 28, 2013.

P A G E 2

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.

Tax Smart Investing Tips

Savvy investors have long realized that what their investments earn after taxes is what really counts. After factoring infederal income and capital gains taxes, the alternative minimum tax (AMT), and potential state and local taxes, your investment returns in any given year may be reduced by 40% or more. Luckily, there are tools and tactics to help youmanage taxes and your investments. Here are four tips to help you become a more tax-savvy investor.

Tip #1: Invest in Tax-Deferred and Tax-Free AccountsTax-deferred investments include company-sponsored retirement savings accountssuch as traditional 401(k) and 403(b) plans and traditional individual retirementaccounts (IRAs). In some cases, contributions to these accounts may be made on a pretax basis or may be tax deductible. More important, investment earningscompound tax deferred until withdrawal, typically in retirement, when you may bein a lower tax bracket.

Contributions to Roth IRAs and Roth 401(k) savings plans are not deductible.Earnings that accumulate in Roth accounts can be withdrawn tax free ifyou are over age 59 1/2, have held the account for at least five years,and meet the requirements for a qualified distribution.

Tip #2: Manage Investments for Tax EfficiencyTax-managed investment accounts are managed in ways that can help reduce their taxable distributions. Your investment professional can employa combination of tactics, such as minimizing portfolio turnover, investing in stocksthat do not pay dividends and selectively selling stocks that have become less attractive at aloss to counterbalance taxable gains elsewhere in the portfolio. In years when returns on thebroader market are flat or negative, investors tend to become more aware of capital gains generated by portfolioturnover, since the resulting tax liability can offset any gain or exacerbate a negative return on the investment.

Tip #3: Put Losses to WorkAt times, you may be able to use losses in your investment portfolio to help offset realized gains. It's a good idea toevaluate your holdings periodically to assess whether an investment still offers the long-term potential you anticipatedwhen you purchased it. Your realized losses in a given tax year must first be used to offset realized capital gains. If youhave "leftover" losses, you can offset up to $3,000 against ordinary income. Any remainder can be carried forward tooffset gains or income in future years.

Tip #4: Keep Good RecordsKeep records of purchases, sales, distributions, and dividend reinvestments so that you can properly calculate the basisof shares you own and choose the most preferential tax treatment for shares you sell.

Keeping an eye on how taxes can affect your investments is one of the easiest ways to help enhance your returns overtime. For more information about the tax aspects of investing, consult your tax professional.

The information in this article is not intended to be tax advice and should not be treated as such. You should consult with your tax advisor to discuss yourpersonal situation before making any decisions.

© 2012 S&P Capital IQ Financial Communications. All rights reserved.

The Basics of Long-Term Care Insurance Thinking about the need and the costs of long-term care is enough to makeanyone uncomfortable. But while it's a difficult subject to talk about, it's alsoa topic that often generates lots of questions and misunderstanding.

Consider this: The average cost of nursing home care in the United Statesnow exceeds $87,000 per year, with wide-ranging variations from state to state.*

Who Pays?

For the most part, those who need long-term care are left to foot the bill ontheir own. Neither Medicare, nor Medicare supplemental coverage ("Medigap"),

nor standard health insurance policies cover long-term care unless you are impoverished. That's why long-term care in-surance is so important. Since premium costs are based on your age and health at the time of purchase, the youngerand healthier you are when you purchase a policy, the lower the premium you're apt to pay during the life of the plan.

As you evaluate long-term care insurance, keep the following variables in mind:

• Coverage Parameters. Policies will differ in the types of services they support. Be sure to choose a policy that best meets your particular needs.

• Benefits Payout. How much does the policy pay per day for care in a particular setting? How does the policy pay out? (e.g., a fixed daily amount, as reimbursement for the cost of care up to a daily maximum?) Does the policy have a maximum lifetime limit?

• Eligibility. Does the policy use certain "triggers" to determine benefits eligibility, such as the formal diagnosis of an illness or disability? What is the maximum issue age for the policy?

• Women May Need More. Longer life spans for women may signal the need for additional coverage.

Finally, keep in mind that most long-term care policies sold today are federally tax qualified, which means premiumspaid and out-of-pocket expenses are deductible. Also, long-term care benefits received are not taxed as income up tocertain limits.

*Source: MetLife Market Survey of Nursing Home and Assisted Living Costs, 2011.

© 2012 S&P Capital IQ Financial Communications. All rights reserved.

P A G E 3

New and Improved Account View LPL Financial is getting ready to roll out a new and improved Account View system. Based on state-of-the-art technology,the new Account View offers an improved user interface, streamlined navigation and manynew features that enhance your overall experience. The updated interface and intuitivelayout provide easy access to your information (e.g., portfolio summary, specific account detail, position detail, transaction activity and statements). The new Account View is compatible with Safari, Chrome, Firefox, and Internet Explorer8, 9, and 10. You will still be able to access the new Account View throughour website www.voslergrouplpl.com or you can go to www.myac-countviewonline.com. For those currently accessing Account View youwill be required to complete a one-time verification process before gettingstarted with the new Account View. The new Account View will be availablestarting on October 28, 2013.

P A G E 2

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.

Tax Smart Investing Tips

Savvy investors have long realized that what their investments earn after taxes is what really counts. After factoring infederal income and capital gains taxes, the alternative minimum tax (AMT), and potential state and local taxes, your investment returns in any given year may be reduced by 40% or more. Luckily, there are tools and tactics to help youmanage taxes and your investments. Here are four tips to help you become a more tax-savvy investor.

Tip #1: Invest in Tax-Deferred and Tax-Free AccountsTax-deferred investments include company-sponsored retirement savings accountssuch as traditional 401(k) and 403(b) plans and traditional individual retirementaccounts (IRAs). In some cases, contributions to these accounts may be made on a pretax basis or may be tax deductible. More important, investment earningscompound tax deferred until withdrawal, typically in retirement, when you may bein a lower tax bracket.

Contributions to Roth IRAs and Roth 401(k) savings plans are not deductible.Earnings that accumulate in Roth accounts can be withdrawn tax free ifyou are over age 59 1/2, have held the account for at least five years,and meet the requirements for a qualified distribution.

Tip #2: Manage Investments for Tax EfficiencyTax-managed investment accounts are managed in ways that can help reduce their taxable distributions. Your investment professional can employa combination of tactics, such as minimizing portfolio turnover, investing in stocksthat do not pay dividends and selectively selling stocks that have become less attractive at aloss to counterbalance taxable gains elsewhere in the portfolio. In years when returns on thebroader market are flat or negative, investors tend to become more aware of capital gains generated by portfolioturnover, since the resulting tax liability can offset any gain or exacerbate a negative return on the investment.

Tip #3: Put Losses to WorkAt times, you may be able to use losses in your investment portfolio to help offset realized gains. It's a good idea toevaluate your holdings periodically to assess whether an investment still offers the long-term potential you anticipatedwhen you purchased it. Your realized losses in a given tax year must first be used to offset realized capital gains. If youhave "leftover" losses, you can offset up to $3,000 against ordinary income. Any remainder can be carried forward tooffset gains or income in future years.

Tip #4: Keep Good RecordsKeep records of purchases, sales, distributions, and dividend reinvestments so that you can properly calculate the basisof shares you own and choose the most preferential tax treatment for shares you sell.

Keeping an eye on how taxes can affect your investments is one of the easiest ways to help enhance your returns overtime. For more information about the tax aspects of investing, consult your tax professional.

The information in this article is not intended to be tax advice and should not be treated as such. You should consult with your tax advisor to discuss yourpersonal situation before making any decisions.

© 2012 S&P Capital IQ Financial Communications. All rights reserved.

Fall 2013

914 Sixth Avenue, DeWitt, IA 52742

Securities and advisory services offered through LPL Financial, a Registered Investment Advisor, member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates.

Vosler Investment Group and LPL Financial are separate entities.Not FDIC Insured • Not Bank Guaranteed • May Lose Value • Not Insured by any Federal Government Agency • Not a Bank Deposit

Check out the new look to your On-Line Account Viewservice. With usage of Account View continually increasing in popularity, LPL Financial has made numerous enhancements to the Account View featureto allow for a broader more robust experience. We know that information is knowledge and makingthat information useful and easy to draw on will giveyou a tool to understand what is taking place in your investment portfolio between our regular scheduled review meetings.

In addition to the enhancements toLPL Account View, we have availableEMoney@ for those that wish tostreamline, monitor and evaluate theirfinancial situation in a much deeperway. The EMoney@ is much more than an electronic statement, it is acomprehensive Financial PlanningTool. With this tool you can group together all of your financial recordsfor easy viewing. It provides PersonalFinancial Statements, like BalanceSheet, Cash Flow reports and even projects possiblefuture outcomes. If you are interest in the premium reporting capabilities to help you organize andtrack your financial life, we can help you get setup with EMoney@.

Alongside the enrichment to your on-line tools, wewill cover two topics of vital importance in proper investment planning decisions - taxes and health care cost. These two expenses can be significant

throughout a person’s retirement.Go into your retirement withoutplanning for these costs andyou will likely pay more thanis necessary. The starting pointto making a good decision isto know your options.

Wise investorsknow that it isnot what youmake, but rather what you keep thatis a measurement of investment success. The profits of an intelligentinvestment selection can be cut significantly once the taxman takeshis/her share. For that reason taxstrategies play an essential role in well crafted and thought-out investment advice.

Like taxes, health care costs can consume much of a retiree’s savings.

Long Term Care costs associated with a nursing homestay costs can run hundreds of thousands of dollars. Fortunately there are strategies to reduce the impactof such expenses. Read further within the Newsletterto find out possible ways to protect your hard workfrom the impact of rising healthcare costs.

MISSIONTo provideknowledge,

guidance andunderstandingwithin a warm,

caring atmospherefor those

individualsfocused on

reaching and maintaining a

comfortableretirement.

Conveniently located at First Central State Bank

DeWitt 659-5139 914 Sixth Avenue, PO Box 223

DeWitt, IA 52742

Located At Gateway State Bank – Clinton 243-6181

www.voslergrouplpl.comE-mail address: barry.vosler@lpl.com