How quickly we forget. Remember when··..

·..in December of 1990 George Bush was President, Desert Shield was in effect in the Middle East, and I wrote in my newsletter that the Dow would reach 5,000 by late 1994 or early 1995. In 1993 I wrote to "stay the course" and not focus on daily volatility. "Now is always the hardest time to invest" I wrote in 1994. In 1995 I said we would see the Dow hit 10,000 by the year 2,000.

Mark my words invest wisely and look longer range. We will see the Dow reach 16,000 by the year 2006! However, I tend to be conservative. The Dow has gone up faster than my projections. So 16,000 could be reached even earlier.

In light of current events, call me for counsel on designing a strategy for yourself. Find the tax structures that best fit your situation. Remember that I bring a whole gamut of investment alternatives plus a wide range of insurance options to you. Take advantage of our services. We are your complete financial planning resource. Just as you look after your "personal health", we can help you with your "financial health." Share us with your family and friends. My staff is expanding to serve you.

We provide employee benefits to many companies and non-profit organizations. This includes group coverages for health, dental, life and disability insurances, as well as pension and retirement plans. I appreciate those business referrals you provide.

May this year bring you joy, happiness and many warm memories.

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Remember 1978? Jimmy Carter was President. A first class stamp cost 13 cents. How much were you making then? Today that same first class stamp costs 33 cents. My dad retired in 1977. Today he makes triple what he earned before retirement. Do you have a plan for tripling your income in your retirement?

In 1997, author and investment manager, Jason Zweig made a very timely comment. "If I could give you only one piece of financial advice it would be this: Spend less time studying your investments and more time studying yourself. That's because how much money you make in an investment often depends far more on how you behave than on how the investment does."

What will a first class postage stamp cost in 2020? How are you planning on tripling your retirement income? How is your behavior going to change in the New Year?

FYI for the year 2000:

• The Salary Deferral Limits for a 401K, 403(b) and SAR-SEP increases from $10,000 to $10,500.
• The minimum earnings for a SEP go from $400 to $450.
• The base limit for social security wages goes from $72,600 to $76,200.

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NOTE: Dale Hedstrand is a registered principal associated with AIG Financial Advisors, Inc., Member NASD/SIPC. Before proceeding further, please be advised that Dale Hedstrand is licensed to discuss with or offer investment and financial services and products only to residents of AL, AZ, CA, FL, ID, MD, MI, MN, MO, NH, NM, ND, OH, OK, OR, SC, SD, TX, UT, VA, WA, WI, WY. Securities related services may not be provided to individuals residing in any state not listed above. The information offered is for informative purposes only. None of this information is to be construed as an offer to buy or sell securities referred to within or otherwise. Neither Dale Hedstrand nor AIG Financial Advisors, Inc makes any guarantee as to the accuracy or completeness of this information.

This information has been prepared from sources and data believed to be reliable but is not guaranteed by NASD/SIPC or AIG Financial Advisors, Inc., nor is any representation made herein as to its accuracy or completeness. This listing is provided for information purposes only and is not to be construed as an offer to buy or sell any securities mentioned herein.

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