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Avraham "AY"  Rappaport, CLTC

President, Financial Professional


Yaniv "Jay" Natanov

President, Financial Planner


Eli Rappaport

Vice President, Financial Planner


Shlomo Rosenstein

Financial Professional


Ozzie Marizan

Financial Planner


Joseph Greer

Employee Benefits Administrator


Sarah Tutko

Senior Client Support Manager


Premier Financial

6395 Dobbin Road, Suite 102

Columbia, MD 21045


Phone:  240-309-6001




March/April 2022

Mutual Funds and ETFs: Alike but Different

Mutual funds* and exchange-traded funds* (ETFs) are both baskets of individual securities that offer a variety of asset classes and niche markets that can help investors diversify** their portfolios. There are differences between them, however, that could make one option preferable for a particular investor.

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Avoid These Retirement Planning Mistakes

Make a mistake with your monthly budget and you might have to tighten your belt for a few weeks. Make a mistake with retirement planning and you could have to modify— or even delay — the retirement you’ve dreamed about. Help improve your financial future by avoiding these pitfalls.

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Life Insurance Can Serve Many Purposes

You may think of a life insurance policy* only as financial protection for your family if something were to happen to you or your spouse. But life insurance can offer more benefits that you may not have considered.

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Talk to Your Spouse

You've discussed where you want to live, the next place to go on vacation, and whose family you'll spend the holidays with, but have you talked—really talked—about money? Financial issues are often a major source of stress between partners. Talking about money can lessen the stress and make sure you're both on the same page with your finances.

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Find Extra Cash Hiding in Plain Sight

Looking for extra dollars to invest? They might be right in front of you.

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Is a Worker Shortage Affecting Your Business?

Extra unemployment benefits ended last September. The pandemic is beginning to ebb. The country is slowly returning to normal, so why aren’t workers going back to work?

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Is a Balanced Fund Right for You?

Balanced funds are mutual funds* that offer a fixed allocation of stocks and bonds. Their investment goal is a mix of capital growth and income with low volatility. You may want to consider balanced funds if you’re near retirement or have a lower tolerance for investment risk.

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It's Not Too Late

It isn’t often that we get to fix our mistakes, but here’s some good news. If you regret not adding more money to your retirement accounts last year, you can take advantage of a do-over. You have until the date 2021 tax returns are due — typically April 15 — to contribute to a traditional individual retirement account (IRA) and possibly qualify for a tax deduction on your 2021 return.

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Planning Your Company's Financial Future

It’s tax season, which provides a good opportunity to assess your business and take stock of where you are, where you’re going, and what steps you can take to plan for a successful year ahead.

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You Have More Than One FICO® Score

Your FICO<sup>®</sup> score is based on the information in your credit report and shows lenders how likely you are to repay a loan. When you apply for credit, lenders use your score to determine the amount you can borrow and the interest rate you’ll be charged. Typically, the higher your score, the better the rate. Typically, the higher your score, the better the rate.

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Are You Above Average?

Here's a snapshot of the average U.S. household's finances. See how your own finances compare.

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Planning Around an Age Gap

A significant age difference between spouses can present unique challenges for financial and estate planning. The needs of the younger spouse may be quite different from the needs of the spouse who’s closer to retirement. Several areas of concern are worth examining.

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Premier Financial is not affiliated with Prudential Financial. Premier Financial sells insurance products of Prudential Financial's affiliated insurance companies in addition to products of non-affiliated insurance companies. Premier Financial is authorized to sell and service certain insurance products of Prudential Financial companies as well as use this material. Premier Financial and its representatives do not give tax or legal advice. Please consult with your own advisors regarding your particular situation. Offering financial planning and investment advisory services and programs through Pruco Securities, LLC (Pruco), under the marketing name Prudential Financial Planning Services (PFPS), pursuant to a separate client agreement. Offering insurance and securities products and services as a registered representative of Pruco, and an agent of issuing insurance companies. 1-800-778-2255. Sarah Tutko is employed by Eli Rappaport and not The Prudential Insurance Company of America or its subsidiaries.
This newsletter is general educational information provided by a Prudential Financial Professional and is not intended to market or sell any specific products and services, but rather provide general information about the subject matter covered only.
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