Rosenthal Review July 2018

July 2018 HAPPY INDEPENDENCE DAY by Anie VansMISSION STATEMENT The fourth of JulyTo always be an industry leading is independence day,independent advisory firm forthose seeking life-long retirement and festivitiessolutions through disciplined are well under way.investment strategies and superior Picnics and barbequesclient service. fireworks and all, people are geared Peek Inside to have a ball. And so my friend, a happy fourth to you. And may yours be a safe one too. Facebook.com/RosenthalRetirement 4th of July Quiz (pg. 2) WE ARE THANKFUL FOR YOUA Financial Plan For All Seasons (pg. 3-4) On behalf of Burk and his Team, we want to thank you for being part of our Rosenthal Family. We appreciate your support and hope you'll invite your friends and family to join our Rosenthal Family as well. A referral is the greatest compliment! Pg. 1

4th of July Quiz1. Which historic occasion does The Fourth 6. Where is the original Declaration ofof July commemorate? Independence located?a) The end of the Revolutionary War a) Independence Hall in Philadelphiab) The signing of the Declaration of b) Library of CongressIndependence c) Smithsonian Institutionc) Adoption of the Declaration of d) National ArchivesIndependence by Congressd) The signing of the Constitution 7. Of the 13 colonies, how many delegates signed the Declaration of Independence?2.What city was the Declaration of a) 13Independence signed in? b) 26a) Boston c) 39b) New York d) 56c) Philadelphiad) Washington 8. Which 2 presidents have died on the Fourth of July?3. Which of these did not sign the a) George Washington and John AdamsDeclaration of Independence? b) John Adams and Thomas Jeffersona) Thomas Jefferson c) Thomas Jefferson and James Madisonb) John Adams d) Herbert Hoover and Franklin Rooseveltc) William Whippled) George Washington 9. Which president's birthday was on the Fourth of July?4. Which of these was included in the a) Calvin CoolidgeDeclaration as a complaint against King b) Howard TaftGeorge & the British Parliament? c) Dwight Eisenhowera) Allowed only British tea to be sold in d) Richard NixonAmericab) Imposed taxes without consent 10. Which right do people have, accordingc) Appointed liberal non-originalist judges the Declaration of Independence?d) Gave charters to Church of England only, a) The right to bear armsnot other religious bodies b) The right to equal protection of the laws c) The right to alter or abolish their5. Of these phrases, which is not included governmentin the Declaration of Independence? d) The right to a free educationa) Give me liberty or give me deathb) Life, liberty and the pursuit of happiness Let us know on Facebook how you did!c) The laws of nature and of nature’s God Facebook.com/RosenthalRetirementd) Supreme Judge of the world Cso-0u1rc,Ae:-9w,wB-w8.d,De-n7v,eDr-p6o,sAt-.5co,Bm-4 ,D-3 ,C-2 ,C-1 :srewsna Pg. 2

The Cost of Caregiving Although it's generous to help an aging parent or other relative financially, be realistic about your ownAbout 40 million family caregivers in the United present and future financial needs. It might makeStates provide unpaid care to another adult.1 more sense to spend down an older person'sCaregiving for a loved one is a noble endeavor, assets, which could reduce the taxable estateand considering the high cost of professional and/or qualify him or her for long-term care benefitslong-term care, it may be the only alternative for under Medicaid.some families. But \"free\" caregiving oftencomes with financial, physical, and emotional Take advantage of available benefits. Make surecosts. If you are a family caregiver, or know the person you are caring for has all the benefits tosomeone who is, here are some suggestions to which he or she is entitled. The Eldercare Locatorconsider. (eldercare.gov), a public service of the U.S. Administration on Aging, and the Benefits CheckUpPreserve your own assets. More than three out of website (benefitscheckup.org) from the Nationalfour caregivers incur out-of-pocket expenses, with Council on Aging are helpful places to start.average spending approaching $7,000 annually.Expenses can be even higher when the person Talk to your employer. One out of threebeing cared for requires longer hours of care, caregivers has changed work hours and 20% haveneeds help with more daily activities and/or reduced work hours; 22% have taken unpaidmedical/nursing tasks, is suffering from mental leave.3illness or dementia, or lives at a distance from thecaregiver.2 (Continued on pg. 4) Ft. Worth 3 Convenient Las ColinasWater Gardens Place Locations Fairway Centre Dallas Adolphus Tower Facebook.com/RosenthalReview | (817) 336-2000 | www.rrp.com      Pg. 3

The Cost of Caregiving (continued)Many companies include family care in their sick- More information on family caregiving is availableleave policies, and you might be eligible for up to from the Family Caregiver Alliance (caregiver.org),12 weeks of unpaid leave under the Family and the Caregiver Action Network (caregiveraction.org),Medical Leave Act. the National Institute on Aging (nia.nih.gov), and AARP Caregiving (aarp.org/caregiving).Educate yourself. Make sure you fully understandyour loved one's condition, medications, and 1–3) AARP, 2016appropriate methods of care. Ensure that you areauthorized to speak to physicians and health This information is not intended as tax, legal,providers regarding the patient's treatment plan. investment, or retirement advice orDon't hesitate to call with questions, and keep a recommendations, and it may not be relied on forrunning list of issues for the next office visit. the purpose of avoiding any federal tax penalties. You are encouraged to seek advice from anTake care of yourself. Many caregivers suffer independent professional advisor. The content isfrom physical or mental conditions that are caused derived from sources believed to be accurate.or exacerbated by the strain of providing care. Take Neither the information presented nor any opinionregular breaks to rest or enjoy a favorite activity. expressed constitutes a solicitation for theAsk for help from other family members and purchase or sale of any security. This material wasfriends. Consider support groups. Don't be afraid to written and prepared by Broadridge Advisorseek professional help for yourself. Solutions. © 2018 Broadridge Investor Communication Solutions, Inc.Have a Happy and Safe IndependenceDay and Special Thanks to Those That Serve Our Country! - Burk RosenthalSecurities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through RosenthalAdvisory Services, LP, a Registered Investment Advisor. Rosenthal Advisory Services, LP and RosenthalRetirement Planning, LP are separate entities from LPL Financial. pg. 4