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Weekly Economic Update

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Meld Financial, Inc. Presents:

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Weekly Economic Update

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.106" background_color_1="#dddddd" custom_margin="0px||0px|" custom_padding="0px||0px|" padding_left_1="6px"][et_pb_column type="1_4"][et_pb_text admin_label="Weekly Quote - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Quote
[/et_pb_text][et_pb_text admin_label="Wkly Quote Detail - Text" _builder_version="3.7"]“Where there is friendship, there is our natural soil.”- Voltaire[/et_pb_text][et_pb_text admin_label="Weekly Tip - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Tip
[/et_pb_text][et_pb_text admin_label="Weekly Tip Detail - Text" _builder_version="3.7"]When a lender permits a borrower to defer a college loan, the borrower may still have to pay interest on the remaining loan balance. The lender, not the borrower, will decide when the loan payments need to restart.[/et_pb_text][et_pb_text admin_label="Weekly Riddle - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Riddle
[/et_pb_text][et_pb_text admin_label="Weekly Riddle Detail - Text" _builder_version="3.7"]It inhibits sight, makes the air colder, and it will come back for you before the day is done. What is it?[/et_pb_text][et_pb_text admin_label="Last Week Riddle - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Last Week's Riddle
[/et_pb_text][et_pb_text admin_label="Last Week Riddle Detail - Text" _builder_version="3.7"]I am plain, thin, and lonely, but you use me all the time. I can appear with one keystroke or just one movement when you write. What am I?[/et_pb_text][et_pb_text admin_label="Last Answer - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Last week's answer:
[/et_pb_text][et_pb_text admin_label="Last Answer Detail - Text" _builder_version="3.7" custom_padding="||224px|" custom_padding_phone="||24px|" custom_padding_last_edited="on|phone"]The number 1.[/et_pb_text][/et_pb_column][et_pb_column type="3_4"][et_pb_text admin_label="Detail - Text" _builder_version="3.7" background_color="#ffffff"]June 18, 2018FED, NEW TARIFFS GET WALL STREET’S ATTENTIONAs expected, the Federal Reserve adjusted the target range on the federal funds rate to 1.75%-2.00% on Wednesday. The central bank’s latest dot-plot projection, however, raised some eyebrows: it showed four interest rate increases planned for 2018 instead of three. The median forecast of Fed officials puts the benchmark interest rate at 2.4% at the end of this year, on the way to a peak of 3.4% in 2020. Friday morning, the Trump administration announced new 25% tariffs on at least $34 billion of Chinese imports. Hours later, China retaliated, declaring that it would levy 25% import taxes on a minimum of $34 billion of goods from America. The U.S. and China both plan to implement their new tariffs on July 6.1,2YEARLY INFLATION REACHES 2.8%The latest Consumer Price Index shows the highest 12-month inflation reading in six years; the core CPI (which leaves out food and fuel costs) rose 2.2% in the year ending in May. Both the headline and core CPI were up 0.2% last month. Wholesale inflation, as measured by the Producer Price Index, increased 0.5% in May.3,4AN IMPRESSIVE ADVANCE FOR RETAIL SALES According to the Department of Commerce, the May gain was 0.8% (0.9% with car and truck buying factored out). This follows an April improvement of 0.4% (revised up from 0.3%).4A MIXED WEEK FOR THE MAJOR INDICESOnce again, the Nasdaq Composite outran the Dow Jones Industrial Average and S&P 500. Last week, the tech benchmark added 1.32% to settle at 7,746.38 at Friday’s closing bell. The S&P 500 ended up flat for the week (+0.01%) at 2,779.42. At Friday’s close, the Dow Jones Industrial Average had slipped 0.89% in five days to 25,090.48.5THIS WEEK: Nothing major is slated for Monday. Wall Street considers earnings from FedEx, La-Z-Boy, and Oracle on Tuesday, along with the latest Census Bureau snapshot of housing construction activity. Federal Reserve Chairman Jerome Powell discusses monetary policy at a European Central Bank forum on Wednesday morning; investors will also eye earnings from Micron Technology, Steelcase, and Winnebago, and a National Association of Realtors report on existing home sales. Thursday, the Conference Board issues its May leading indicators index, a new initial jobless claims report arrives, and Barnes & Noble, Darden Restaurants, Kroger, and Red Hat present earnings. Friday, Blackberry, and CarMax offer Q1 results. 
% CHANGEY-T-D1-YR CHG5-YR AVG10-YR AVG
DJIA+1.50+17.47+13.30+10.45
NASDAQ+12.21+25.64+25.25+21.30
S&P 500+3.96+14.26+14.17+10.43
REAL YIELD6/15 RATE1 YR AGO5 YRS AGO10 YRS AGO
10 YR TIPS0.81%0.49%0.09%1.76%
Sources: wsj.com, bigcharts.com, treasury.gov - 6/15/185,6,7,8Indices are unmanaged, do not incur fees or expenses, and cannot be invested into directly. These returns do not include dividends. 10-year TIPS real yield = projected return at maturity given expected inflation.[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.86" custom_margin="0px|||" custom_padding="0px|||"][et_pb_column type="4_4"][et_pb_text admin_label="Forward to friends - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya Sans SC||||||||" header_font="Alegreya SC||||||||" header_font_size="48px" background_color="#dddddd"]

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[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="Contact Info - Text" _builder_version="3.0.86" background_layout="light"]

Meld Financial, Inc.

P.O. Box 43626

Birmingham, AL  35243

Phone:  205-967-4200

Email:  Meld@meldfinancial.com

www.meldfinancial.com

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="Securities Offered by - Text" _builder_version="3.0.106" background_layout="light" saved_tabs="all"]

Securities offered through Triad Advisors, LLC. Member FINRA/SIPC.

Advisory services offered through Meld Financial, Inc.

Triad Advisors and Meld Financial are not affiliated.

[/et_pb_text][et_pb_text admin_label="Disclosure Detail - Text" _builder_version="3.7" text_font_size="10px" module_class="fine-print-post-text"]This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. The information herein has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. Investments will fluctuate and when redeemed may be worth more or less than when originally invested. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All market indices discussed are unmanaged and are not illustrative of any particular investment. Indices do not incur management fees, costs and expenses, and cannot be invested into directly. All economic and performance data is historical and not indicative of future results. The Dow Jones Industrial Average is a price-weighted index of 30 actively traded blue-chip stocks. The NASDAQ Composite Index is a market-weighted index of all over-the-counter common stocks traded on the National Association of Securities Dealers Automated Quotation System. The Standard & Poor's 500 (S&P 500) is a market-cap weighted index composed of the common stocks of 500 leading companies in leading industries of the U.S. economy. NYSE Group, Inc. (NYSE:NYX) operates two securities exchanges: the New York Stock Exchange (the “NYSE”) and NYSE Arca (formerly known as the Archipelago Exchange, or ArcaEx®, and the Pacific Exchange). NYSE Group is a leading provider of securities listing, trading and market data products and services. The New York Mercantile Exchange, Inc. (NYMEX) is the world's largest physical commodity futures exchange and the preeminent trading forum for energy and precious metals, with trading conducted through two divisions – the NYMEX Division, home to the energy, platinum, and palladium markets, and the COMEX Division, on which all other metals trade. Additional risks are associated with international investing, such as currency fluctuations, political and economic instability and differences in accounting standards. This material represents an assessment of the market environment at a specific point in time and is not intended to be a forecast of future events, or a guarantee of future results. MarketingPro, Inc. is not affiliated with any person or firm that may be providing this information to you. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. Citations.1 - marketwatch.com/story/fomc-lifts-fed-funds-rate-to-175-2-signals-4-hikes-in-2018-2018-06-13 [6/13/18]2 - cnbc.com/2018/06/15/china-announces-retaliatory-tariffs-on-34-billion-worth-of-us-goods-including-agriculture-products.html [6/15/18]3 - bloomberg.com/news/articles/2018-06-12/u-s-consumer-prices-rise-by-most-since-2012 [6/12/18]4 - briefing.com/investor/calendars/economic/2018/06/11-15 [6/15/18]5 - markets.wsj.com/us [6/15/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=6%2F15%2F17&x=0&y=0 [6/15/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=6%2F15%2F17&x=0&y=0 [6/15/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=6%2F15%2F17&x=0&y=0 [6/15/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=6%2F14%2F13&x=0&y=0 [6/15/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=6%2F14%2F13&x=0&y=0 [6/15/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=6%2F14%2F13&x=0&y=0 [6/15/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=6%2F16%2F08&x=0&y=0 [6/15/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=6%2F16%2F08&x=0&y=0 [6/15/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=6%2F16%2F08&x=0&y=0 [6/15/18]7 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyield [6/15/18]8 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyieldAll [6/15/18][/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]


Weekly Economic Update

[et_pb_section bb_built="1" _builder_version="3.0.87" custom_margin="0px|||" custom_padding="0px|||"][et_pb_row _builder_version="3.0.86" custom_margin="||0px|" custom_padding="||0px|"][et_pb_column type="4_4"][et_pb_image admin_label="WEU - Image" _builder_version="3.0.89" src="https://www.meldfinancial.com/wp-content/uploads/WEU-Pic-1200x628.png" show_in_lightbox="off" url_new_window="off" use_overlay="off" always_center_on_mobile="on" force_fullwidth="off" show_bottom_space="on" custom_padding="||20px|" /][et_pb_text admin_label="Meld Financial Presents - H2i - Text" _builder_version="3.0.86" background_layout="light"]

Meld Financial, Inc. Presents:

[/et_pb_text][et_pb_text admin_label="Weekly Economic Update - H1 - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya Sans SC||||||||" header_font="Alegreya SC||||||||" header_font_size="48px" background_color="#dddddd"]

Weekly Economic Update

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.106" background_color_1="#dddddd" custom_margin="0px||0px|" custom_padding="0px||0px|" padding_left_1="6px"][et_pb_column type="1_4"][et_pb_text admin_label="Weekly Quote - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Quote
[/et_pb_text][et_pb_text admin_label="Wkly Quote Detail - Text" _builder_version="3.6"]“Reflect on your present blessings, of which every man has many; not on your past misfortunes, of which all men have some.”- Charles Dickens[/et_pb_text][et_pb_text admin_label="Weekly Tip - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Tip
[/et_pb_text][et_pb_text admin_label="Weekly Tip Detail - Text" _builder_version="3.6"]If you get an email asking for your personal or financial information from what appears to be the Internal Revenue Service, it is probably a scam. The I.R.S. does not use emails, text messages, or social media to make initial inquiries about these matters.[/et_pb_text][et_pb_text admin_label="Weekly Riddle - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Riddle
[/et_pb_text][et_pb_text admin_label="Weekly Riddle Detail - Text" _builder_version="3.6"]I am plain, thin, and lonely, but you use me all the time. I can appear with one keystroke or just one movement when you write. What am I?[/et_pb_text][et_pb_text admin_label="Last Week Riddle - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Last Week's Riddle
[/et_pb_text][et_pb_text admin_label="Last Week Riddle Detail - Text" _builder_version="3.6"]You can put me on a table and cut me, but you will never eat me. What am I?[/et_pb_text][et_pb_text admin_label="Last Answer - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Last week's answer:
[/et_pb_text][et_pb_text admin_label="Last Answer Detail - Text" _builder_version="3.6" custom_padding="||224px|" custom_padding_phone="||24px|" custom_padding_last_edited="on|phone"]A deck of cards.[/et_pb_text][/et_pb_column][et_pb_column type="3_4"][et_pb_text admin_label="Detail - Text" _builder_version="3.6" background_color="#ffffff"]June 11, 2018100 MONTHS OF GROWTH FOR SERVICE BUSINESSESThe Institute for Supply Management announced this milestone as it revealed a 58.6 May reading for its non-manufacturing purchasing manager index. That excellent reading was well north of the 56.8 mark seen in April. Fourteen of the fifteen service industries followed by the PMI reported expansion in May; the information sector was the only outlier.1Q2 GDP OUTLOOK BRIGHTENSIs the economy now expanding at the rate of 5% a year? The bold new estimate by the Federal Reserve Bank of Atlanta nearly says as much. The Atlanta Fed projects a 4.6% GDP reading for Q2. The first quarter saw a 2.2% rate of growth, and the economy grew 2.3% for all of 2017.2SOCIAL SECURITY TO TAP ITS RESERVES THIS YEARLast week, Social Security’s trustees announced that the program needs to dip into its trust funds for the first time in 36 years in order to fully fund itself in 2018. In their annual report, the trustees noted that monthly benefits could be reduced as much as 23% by 2034 if no legislative action is taken on Capitol Hill between now and then. The report also noted that Medicare’s hospital insurance fund risks being depleted by 2026; barring a fix, Medicare might only pay out 91% of hospital costs at that point.3NASDAQ ATTAINS RECORD TERRITORY AGAINFinishing Friday at 7,645.51, the Nasdaq Composite retreated from its historic closes on Monday, Tuesday, and Wednesday of last week. Even so, it gained 1.21% across five trading sessions. The S&P 500 added 1.62% last week to settle at 2,779.03 Friday. The Dow Jones Industrial Average? It rose 2.77% for the week, reaching 25,316.53 at Friday’s closing bell.4,5THIS WEEK: Nothing major is scheduled on Monday. The May Consumer Price Index appears Tuesday, plus earnings from H&R Block. Wednesday, Wall Street awaits a Federal Reserve interest rate decision and considers the May Producer Price Index. May retail sales numbers appear Thursday, in addition to a new initial jobless claims report and quarterly results from Michaels Companies. On Friday, the University of Michigan releases its preliminary June consumer sentiment index. 
% CHANGEY-T-D1-YR CHG5-YR AVG10-YR AVG
DJIA+2.42+19.52+13.21+10.62
NASDAQ+10.75+20.94+24.08+21.09
S&P 500+3.94+14.19+13.82+10.41
REAL YIELD6/8 RATE1 YR AGO5 YRS AGO10 YRS AGO
10 YR TIPS0.82%0.41%0.03%1.54%
 Sources: wsj.com, bigcharts.com, treasury.gov - 6/8/185,6,7,8Indices are unmanaged, do not incur fees or expenses, and cannot be invested into directly. These returns do not include dividends. 10-year TIPS real yield = projected return at maturity given expected inflation.[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.86" custom_margin="0px|||" custom_padding="0px|||"][et_pb_column type="4_4"][et_pb_text admin_label="Forward to friends - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya Sans SC||||||||" header_font="Alegreya SC||||||||" header_font_size="48px" background_color="#dddddd"]

Please feel free to forward this article to family, friends or colleagues. Convenient share buttons are located to the left of this page. If you would like us to add them to our distribution list, please reply with their address. We will contact them first and request their permission to add them to our list.

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="Contact Info - Text" _builder_version="3.0.86" background_layout="light"]

Meld Financial, Inc.

P.O. Box 43626

Birmingham, AL  35243

Phone:  205-967-4200

Email:  Meld@meldfinancial.com

www.meldfinancial.com

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="Securities Offered by - Text" _builder_version="3.0.106" background_layout="light" saved_tabs="all"]

Securities offered through Triad Advisors, LLC. Member FINRA/SIPC.

Advisory services offered through Meld Financial, Inc.

Triad Advisors and Meld Financial are not affiliated.

[/et_pb_text][et_pb_text admin_label="Disclosure Detail - Text" _builder_version="3.6" text_font_size="10px" module_class="fine-print-post-text"]This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. The information herein has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. Investments will fluctuate and when redeemed may be worth more or less than when originally invested. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All market indices discussed are unmanaged and are not illustrative of any particular investment. Indices do not incur management fees, costs and expenses, and cannot be invested into directly. All economic and performance data is historical and not indicative of future results. The Dow Jones Industrial Average is a price-weighted index of 30 actively traded blue-chip stocks. The NASDAQ Composite Index is a market-weighted index of all over-the-counter common stocks traded on the National Association of Securities Dealers Automated Quotation System. The Standard & Poor's 500 (S&P 500) is a market-cap weighted index composed of the common stocks of 500 leading companies in leading industries of the U.S. economy. NYSE Group, Inc. (NYSE:NYX) operates two securities exchanges: the New York Stock Exchange (the “NYSE”) and NYSE Arca (formerly known as the Archipelago Exchange, or ArcaEx®, and the Pacific Exchange). NYSE Group is a leading provider of securities listing, trading and market data products and services. The New York Mercantile Exchange, Inc. (NYMEX) is the world's largest physical commodity futures exchange and the preeminent trading forum for energy and precious metals, with trading conducted through two divisions – the NYMEX Division, home to the energy, platinum, and palladium markets, and the COMEX Division, on which all other metals trade. Additional risks are associated with international investing, such as currency fluctuations, political and economic instability and differences in accounting standards. This material represents an assessment of the market environment at a specific point in time and is not intended to be a forecast of future events, or a guarantee of future results. MarketingPro, Inc. is not affiliated with any person or firm that may be providing this information to you. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. Citations.1 - nytimes.com/aponline/2018/06/05/us/politics/ap-us-economy-services.html [6/5/18]2 - cnbc.com/2018/06/08/gdp-for-second-quarter-on-track-to-double-2018-full-year-pace-of-2017.html [6/8/18]3 - marketwatch.com/story/new-warnings-about-cuts-to-social-security-and-medicare-are-a-reason-to-worry-2018-06-07 [6/7/18]4 - reuters.com/article/us-usa-stocks/tesla-drives-fourth-day-of-gains-for-nasdaq-banks-up-idUSKCN1J21E8 [6/6/18]5 - markets.wsj.com/us [6/8/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=6%2F8%2F17&x=0&y=0 [6/8/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=6%2F8%2F17&x=0&y=0 [6/8/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=6%2F8%2F17&x=0&y=0 [6/8/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=6%2F7%2F13&x=0&y=0 [6/8/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=6%2F7%2F13&x=0&y=0 [6/8/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=6%2F7%2F13&x=0&y=0 [6/8/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=6%2F9%2F08&x=0&y=0 [6/8/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=6%2F9%2F08&x=0&y=0 [6/8/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=6%2F9%2F08&x=0&y=0 [6/8/18]7 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyield [6/8/18]8 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyieldAll [6/8/18][/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]


What Women Shouldn’t Retire Without

[et_pb_section bb_built="1" _builder_version="3.0.92"][et_pb_row][et_pb_column type="1_2"][et_pb_image _builder_version="3.5.1" src="https://www.meldfinancial.com/wp-content/uploads/ladies-hiking-countrysidefacebook-50.jpg" /][/et_pb_column][et_pb_column type="1_2"][et_pb_text _builder_version="3.5.1" custom_padding="20px|||" custom_padding_last_edited="on|desktop"]

A practical financial checklist for the future.

Provided by Meld Financial, Inc.

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="to registration form - text" _builder_version="3.0.105" background_layout="light" saved_tabs="all" global_module="1444"]

Click here to register for our next event, "Investment Planning: From Growth to Income".

[/et_pb_text][et_pb_text admin_label="Detail - Text" _builder_version="3.5.1"]When our parents retired, living to 75 amounted to a nice long life, and Social Security was often supplemented by a pension. The Social Security Administration estimates that today’s average 65-year-old female will live to age 86.6. Given these projections, it appears that a retirement of 20 years or longer might be in your future.1,2

Are you prepared for a 20-year retirement?

How about a 30- or 40-year retirement? Don’t laugh; it could happen. The SSA projects that about 25% of today’s 65-year-olds will live past 90, with approximately 10% living to be older than 95.2

How do you begin?

How do you draw retirement income off what you’ve saved – how might you create other income streams to complement Social Security? How do you try and protect your retirement savings and other financial assets?Talking with a financial professional may give you some good ideas. You want one who walks your walk, who understands the particular challenges that many women face in saving for retirement (time out of the workforce due to childcare or eldercare, maintaining financial equilibrium in the wake of divorce or death of a spouse).As you have that conversation, you can focus on some of the must-haves.

Plan your investing.

If you are in your fifties, you have less time to make back any big investment losses than you once did. So, protecting what you have is a priority. At the same time, the possibility of a 15-, 20-, or even 30- or 40-year retirement will likely require a growing retirement fund.

Look at long-term care coverage.

While it is an extreme generalization to say that men die sudden deaths and women live longer; however, women do often have longer average life expectancies than men and can require weeks, months, or years of eldercare. Medicare is no substitute for LTC insurance; it only pays for 100 days of nursing home care and only if you get skilled care and enter a nursing home right after a hospital stay of 3 or more days. Long-term care coverage can provide a huge financial relief if and when the need for LTC arises.1,3

Claim Social Security benefits carefully.

If your career and health permit, delaying Social Security is a wise move for single women. If you wait until full retirement age to claim your benefits, you could receive 30-40% larger Social Security payments as a result. For every year you wait to claim Social Security, your monthly payments get about 8% larger.4

Above all, retire with a plan.

Have a financial professional who sees retirement through your eyes help you define it on your terms, with a wealth management approach designed for the long term.[/et_pb_text][et_pb_image _builder_version="3.0.92" src="https://www.meldfinancial.com/wp-content/uploads/logo.png" show_in_lightbox="off" url_new_window="off" use_overlay="off" always_center_on_mobile="on" force_fullwidth="off" show_bottom_space="on" module_class="no-shadow" /][et_pb_text admin_label="Meld Contact Info - Text" _builder_version="3.0.101" background_layout="light"]

Meld Financial, Inc. may be reached at:

205-967-4200

meld@meldfinancial.com

P. O. Box 43626

Birmingham, AL  35243

www.meldfinancial.com

[/et_pb_text][et_pb_text admin_label="Fine Print - Text" _builder_version="3.5.1" text_font_size="10px" custom_css_main_element="font-size:10px important!;"]

Securities offered through Triad Advisors, LLC .  Member FINRA/SIPC.

Advisory services offered through Meld Financial, Inc.

Triad Advisors and Meld Financial are not affiliated.

This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment.Citations.1 - cdc.gov/nchs/products/databriefs/db293.htm [12/21/17]2 - ssa.gov/planners/lifeexpectancy.htm [5/9/18]3 - medicare.gov/coverage/skilled-nursing-facility-care.html [5/8/18]4 - thestreet.com/retirement/how-to-avoid-going-broke-in-retirement-14551119 [4/10/18][/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]


Weekly Economic Update

[et_pb_section bb_built="1" _builder_version="3.0.87" custom_margin="0px|||" custom_padding="0px|||"][et_pb_row _builder_version="3.0.86" custom_margin="||0px|" custom_padding="||0px|"][et_pb_column type="4_4"][et_pb_image admin_label="WEU - Image" _builder_version="3.0.89" src="https://www.meldfinancial.com/wp-content/uploads/WEU-Pic-1200x628.png" show_in_lightbox="off" url_new_window="off" use_overlay="off" always_center_on_mobile="on" force_fullwidth="off" show_bottom_space="on" custom_padding="||20px|" /][et_pb_text admin_label="Meld Financial Presents - H2i - Text" _builder_version="3.0.86" background_layout="light"]

Meld Financial, Inc. Presents:

[/et_pb_text][et_pb_text admin_label="Weekly Economic Update - H1 - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya Sans SC||||||||" header_font="Alegreya SC||||||||" header_font_size="48px" background_color="#dddddd"]

Weekly Economic Update

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.106" background_color_1="#dddddd" custom_margin="0px||0px|" custom_padding="0px||0px|" padding_left_1="6px"][et_pb_column type="1_4"][et_pb_text admin_label="Weekly Quote - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Quote
[/et_pb_text][et_pb_text admin_label="Wkly Quote Detail - Text" _builder_version="3.7"]“Where there is friendship, there is our natural soil.”- Voltaire[/et_pb_text][et_pb_text admin_label="Weekly Tip - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Tip
[/et_pb_text][et_pb_text admin_label="Weekly Tip Detail - Text" _builder_version="3.7"]When a lender permits a borrower to defer a college loan, the borrower may still have to pay interest on the remaining loan balance. The lender, not the borrower, will decide when the loan payments need to restart.[/et_pb_text][et_pb_text admin_label="Weekly Riddle - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Riddle
[/et_pb_text][et_pb_text admin_label="Weekly Riddle Detail - Text" _builder_version="3.7"]It inhibits sight, makes the air colder, and it will come back for you before the day is done. What is it?[/et_pb_text][et_pb_text admin_label="Last Week Riddle - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Last Week's Riddle
[/et_pb_text][et_pb_text admin_label="Last Week Riddle Detail - Text" _builder_version="3.7"]I am plain, thin, and lonely, but you use me all the time. I can appear with one keystroke or just one movement when you write. What am I?[/et_pb_text][et_pb_text admin_label="Last Answer - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Last week's answer:
[/et_pb_text][et_pb_text admin_label="Last Answer Detail - Text" _builder_version="3.7" custom_padding="||224px|" custom_padding_phone="||24px|" custom_padding_last_edited="on|phone"]The number 1.[/et_pb_text][/et_pb_column][et_pb_column type="3_4"][et_pb_text admin_label="Detail - Text" _builder_version="3.7" background_color="#ffffff"]June 18, 2018FED, NEW TARIFFS GET WALL STREET’S ATTENTIONAs expected, the Federal Reserve adjusted the target range on the federal funds rate to 1.75%-2.00% on Wednesday. The central bank’s latest dot-plot projection, however, raised some eyebrows: it showed four interest rate increases planned for 2018 instead of three. The median forecast of Fed officials puts the benchmark interest rate at 2.4% at the end of this year, on the way to a peak of 3.4% in 2020. Friday morning, the Trump administration announced new 25% tariffs on at least $34 billion of Chinese imports. Hours later, China retaliated, declaring that it would levy 25% import taxes on a minimum of $34 billion of goods from America. The U.S. and China both plan to implement their new tariffs on July 6.1,2YEARLY INFLATION REACHES 2.8%The latest Consumer Price Index shows the highest 12-month inflation reading in six years; the core CPI (which leaves out food and fuel costs) rose 2.2% in the year ending in May. Both the headline and core CPI were up 0.2% last month. Wholesale inflation, as measured by the Producer Price Index, increased 0.5% in May.3,4AN IMPRESSIVE ADVANCE FOR RETAIL SALES According to the Department of Commerce, the May gain was 0.8% (0.9% with car and truck buying factored out). This follows an April improvement of 0.4% (revised up from 0.3%).4A MIXED WEEK FOR THE MAJOR INDICESOnce again, the Nasdaq Composite outran the Dow Jones Industrial Average and S&P 500. Last week, the tech benchmark added 1.32% to settle at 7,746.38 at Friday’s closing bell. The S&P 500 ended up flat for the week (+0.01%) at 2,779.42. At Friday’s close, the Dow Jones Industrial Average had slipped 0.89% in five days to 25,090.48.5THIS WEEK: Nothing major is slated for Monday. Wall Street considers earnings from FedEx, La-Z-Boy, and Oracle on Tuesday, along with the latest Census Bureau snapshot of housing construction activity. Federal Reserve Chairman Jerome Powell discusses monetary policy at a European Central Bank forum on Wednesday morning; investors will also eye earnings from Micron Technology, Steelcase, and Winnebago, and a National Association of Realtors report on existing home sales. Thursday, the Conference Board issues its May leading indicators index, a new initial jobless claims report arrives, and Barnes & Noble, Darden Restaurants, Kroger, and Red Hat present earnings. Friday, Blackberry, and CarMax offer Q1 results. 
% CHANGEY-T-D1-YR CHG5-YR AVG10-YR AVG
DJIA+1.50+17.47+13.30+10.45
NASDAQ+12.21+25.64+25.25+21.30
S&P 500+3.96+14.26+14.17+10.43
REAL YIELD6/15 RATE1 YR AGO5 YRS AGO10 YRS AGO
10 YR TIPS0.81%0.49%0.09%1.76%
Sources: wsj.com, bigcharts.com, treasury.gov - 6/15/185,6,7,8Indices are unmanaged, do not incur fees or expenses, and cannot be invested into directly. These returns do not include dividends. 10-year TIPS real yield = projected return at maturity given expected inflation.[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.86" custom_margin="0px|||" custom_padding="0px|||"][et_pb_column type="4_4"][et_pb_text admin_label="Forward to friends - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya Sans SC||||||||" header_font="Alegreya SC||||||||" header_font_size="48px" background_color="#dddddd"]

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[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="Contact Info - Text" _builder_version="3.0.86" background_layout="light"]

Meld Financial, Inc.

P.O. Box 43626

Birmingham, AL  35243

Phone:  205-967-4200

Email:  Meld@meldfinancial.com

www.meldfinancial.com

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="Securities Offered by - Text" _builder_version="3.0.106" background_layout="light" saved_tabs="all"]

Securities offered through Triad Advisors, LLC. Member FINRA/SIPC.

Advisory services offered through Meld Financial, Inc.

Triad Advisors and Meld Financial are not affiliated.

[/et_pb_text][et_pb_text admin_label="Disclosure Detail - Text" _builder_version="3.7" text_font_size="10px" module_class="fine-print-post-text"]This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. The information herein has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. Investments will fluctuate and when redeemed may be worth more or less than when originally invested. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All market indices discussed are unmanaged and are not illustrative of any particular investment. Indices do not incur management fees, costs and expenses, and cannot be invested into directly. All economic and performance data is historical and not indicative of future results. The Dow Jones Industrial Average is a price-weighted index of 30 actively traded blue-chip stocks. The NASDAQ Composite Index is a market-weighted index of all over-the-counter common stocks traded on the National Association of Securities Dealers Automated Quotation System. The Standard & Poor's 500 (S&P 500) is a market-cap weighted index composed of the common stocks of 500 leading companies in leading industries of the U.S. economy. NYSE Group, Inc. (NYSE:NYX) operates two securities exchanges: the New York Stock Exchange (the “NYSE”) and NYSE Arca (formerly known as the Archipelago Exchange, or ArcaEx®, and the Pacific Exchange). NYSE Group is a leading provider of securities listing, trading and market data products and services. The New York Mercantile Exchange, Inc. (NYMEX) is the world's largest physical commodity futures exchange and the preeminent trading forum for energy and precious metals, with trading conducted through two divisions – the NYMEX Division, home to the energy, platinum, and palladium markets, and the COMEX Division, on which all other metals trade. Additional risks are associated with international investing, such as currency fluctuations, political and economic instability and differences in accounting standards. This material represents an assessment of the market environment at a specific point in time and is not intended to be a forecast of future events, or a guarantee of future results. MarketingPro, Inc. is not affiliated with any person or firm that may be providing this information to you. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. Citations.1 - marketwatch.com/story/fomc-lifts-fed-funds-rate-to-175-2-signals-4-hikes-in-2018-2018-06-13 [6/13/18]2 - cnbc.com/2018/06/15/china-announces-retaliatory-tariffs-on-34-billion-worth-of-us-goods-including-agriculture-products.html [6/15/18]3 - bloomberg.com/news/articles/2018-06-12/u-s-consumer-prices-rise-by-most-since-2012 [6/12/18]4 - briefing.com/investor/calendars/economic/2018/06/11-15 [6/15/18]5 - markets.wsj.com/us [6/15/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=6%2F15%2F17&x=0&y=0 [6/15/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=6%2F15%2F17&x=0&y=0 [6/15/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=6%2F15%2F17&x=0&y=0 [6/15/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=6%2F14%2F13&x=0&y=0 [6/15/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=6%2F14%2F13&x=0&y=0 [6/15/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=6%2F14%2F13&x=0&y=0 [6/15/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=6%2F16%2F08&x=0&y=0 [6/15/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=6%2F16%2F08&x=0&y=0 [6/15/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=6%2F16%2F08&x=0&y=0 [6/15/18]7 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyield [6/15/18]8 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyieldAll [6/15/18][/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]


Weekly Economic Update

[et_pb_section bb_built="1" _builder_version="3.0.87" custom_margin="0px|||" custom_padding="0px|||"][et_pb_row _builder_version="3.0.86" custom_margin="||0px|" custom_padding="||0px|"][et_pb_column type="4_4"][et_pb_image admin_label="WEU - Image" _builder_version="3.0.89" src="https://www.meldfinancial.com/wp-content/uploads/WEU-Pic-1200x628.png" show_in_lightbox="off" url_new_window="off" use_overlay="off" always_center_on_mobile="on" force_fullwidth="off" show_bottom_space="on" custom_padding="||20px|" /][et_pb_text admin_label="Meld Financial Presents - H2i - Text" _builder_version="3.0.86" background_layout="light"]

Meld Financial, Inc. Presents:

[/et_pb_text][et_pb_text admin_label="Weekly Economic Update - H1 - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya Sans SC||||||||" header_font="Alegreya SC||||||||" header_font_size="48px" background_color="#dddddd"]

Weekly Economic Update

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.106" background_color_1="#dddddd" custom_margin="0px||0px|" custom_padding="0px||0px|" padding_left_1="6px"][et_pb_column type="1_4"][et_pb_text admin_label="Weekly Quote - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Quote
[/et_pb_text][et_pb_text admin_label="Wkly Quote Detail - Text" _builder_version="3.6"]“Reflect on your present blessings, of which every man has many; not on your past misfortunes, of which all men have some.”- Charles Dickens[/et_pb_text][et_pb_text admin_label="Weekly Tip - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Tip
[/et_pb_text][et_pb_text admin_label="Weekly Tip Detail - Text" _builder_version="3.6"]If you get an email asking for your personal or financial information from what appears to be the Internal Revenue Service, it is probably a scam. The I.R.S. does not use emails, text messages, or social media to make initial inquiries about these matters.[/et_pb_text][et_pb_text admin_label="Weekly Riddle - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Riddle
[/et_pb_text][et_pb_text admin_label="Weekly Riddle Detail - Text" _builder_version="3.6"]I am plain, thin, and lonely, but you use me all the time. I can appear with one keystroke or just one movement when you write. What am I?[/et_pb_text][et_pb_text admin_label="Last Week Riddle - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Last Week's Riddle
[/et_pb_text][et_pb_text admin_label="Last Week Riddle Detail - Text" _builder_version="3.6"]You can put me on a table and cut me, but you will never eat me. What am I?[/et_pb_text][et_pb_text admin_label="Last Answer - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Last week's answer:
[/et_pb_text][et_pb_text admin_label="Last Answer Detail - Text" _builder_version="3.6" custom_padding="||224px|" custom_padding_phone="||24px|" custom_padding_last_edited="on|phone"]A deck of cards.[/et_pb_text][/et_pb_column][et_pb_column type="3_4"][et_pb_text admin_label="Detail - Text" _builder_version="3.6" background_color="#ffffff"]June 11, 2018100 MONTHS OF GROWTH FOR SERVICE BUSINESSESThe Institute for Supply Management announced this milestone as it revealed a 58.6 May reading for its non-manufacturing purchasing manager index. That excellent reading was well north of the 56.8 mark seen in April. Fourteen of the fifteen service industries followed by the PMI reported expansion in May; the information sector was the only outlier.1Q2 GDP OUTLOOK BRIGHTENSIs the economy now expanding at the rate of 5% a year? The bold new estimate by the Federal Reserve Bank of Atlanta nearly says as much. The Atlanta Fed projects a 4.6% GDP reading for Q2. The first quarter saw a 2.2% rate of growth, and the economy grew 2.3% for all of 2017.2SOCIAL SECURITY TO TAP ITS RESERVES THIS YEARLast week, Social Security’s trustees announced that the program needs to dip into its trust funds for the first time in 36 years in order to fully fund itself in 2018. In their annual report, the trustees noted that monthly benefits could be reduced as much as 23% by 2034 if no legislative action is taken on Capitol Hill between now and then. The report also noted that Medicare’s hospital insurance fund risks being depleted by 2026; barring a fix, Medicare might only pay out 91% of hospital costs at that point.3NASDAQ ATTAINS RECORD TERRITORY AGAINFinishing Friday at 7,645.51, the Nasdaq Composite retreated from its historic closes on Monday, Tuesday, and Wednesday of last week. Even so, it gained 1.21% across five trading sessions. The S&P 500 added 1.62% last week to settle at 2,779.03 Friday. The Dow Jones Industrial Average? It rose 2.77% for the week, reaching 25,316.53 at Friday’s closing bell.4,5THIS WEEK: Nothing major is scheduled on Monday. The May Consumer Price Index appears Tuesday, plus earnings from H&R Block. Wednesday, Wall Street awaits a Federal Reserve interest rate decision and considers the May Producer Price Index. May retail sales numbers appear Thursday, in addition to a new initial jobless claims report and quarterly results from Michaels Companies. On Friday, the University of Michigan releases its preliminary June consumer sentiment index. 
% CHANGEY-T-D1-YR CHG5-YR AVG10-YR AVG
DJIA+2.42+19.52+13.21+10.62
NASDAQ+10.75+20.94+24.08+21.09
S&P 500+3.94+14.19+13.82+10.41
REAL YIELD6/8 RATE1 YR AGO5 YRS AGO10 YRS AGO
10 YR TIPS0.82%0.41%0.03%1.54%
 Sources: wsj.com, bigcharts.com, treasury.gov - 6/8/185,6,7,8Indices are unmanaged, do not incur fees or expenses, and cannot be invested into directly. These returns do not include dividends. 10-year TIPS real yield = projected return at maturity given expected inflation.[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.86" custom_margin="0px|||" custom_padding="0px|||"][et_pb_column type="4_4"][et_pb_text admin_label="Forward to friends - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya Sans SC||||||||" header_font="Alegreya SC||||||||" header_font_size="48px" background_color="#dddddd"]

Please feel free to forward this article to family, friends or colleagues. Convenient share buttons are located to the left of this page. If you would like us to add them to our distribution list, please reply with their address. We will contact them first and request their permission to add them to our list.

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="Contact Info - Text" _builder_version="3.0.86" background_layout="light"]

Meld Financial, Inc.

P.O. Box 43626

Birmingham, AL  35243

Phone:  205-967-4200

Email:  Meld@meldfinancial.com

www.meldfinancial.com

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="Securities Offered by - Text" _builder_version="3.0.106" background_layout="light" saved_tabs="all"]

Securities offered through Triad Advisors, LLC. Member FINRA/SIPC.

Advisory services offered through Meld Financial, Inc.

Triad Advisors and Meld Financial are not affiliated.

[/et_pb_text][et_pb_text admin_label="Disclosure Detail - Text" _builder_version="3.6" text_font_size="10px" module_class="fine-print-post-text"]This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. The information herein has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. Investments will fluctuate and when redeemed may be worth more or less than when originally invested. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All market indices discussed are unmanaged and are not illustrative of any particular investment. Indices do not incur management fees, costs and expenses, and cannot be invested into directly. All economic and performance data is historical and not indicative of future results. The Dow Jones Industrial Average is a price-weighted index of 30 actively traded blue-chip stocks. The NASDAQ Composite Index is a market-weighted index of all over-the-counter common stocks traded on the National Association of Securities Dealers Automated Quotation System. The Standard & Poor's 500 (S&P 500) is a market-cap weighted index composed of the common stocks of 500 leading companies in leading industries of the U.S. economy. NYSE Group, Inc. (NYSE:NYX) operates two securities exchanges: the New York Stock Exchange (the “NYSE”) and NYSE Arca (formerly known as the Archipelago Exchange, or ArcaEx®, and the Pacific Exchange). NYSE Group is a leading provider of securities listing, trading and market data products and services. The New York Mercantile Exchange, Inc. (NYMEX) is the world's largest physical commodity futures exchange and the preeminent trading forum for energy and precious metals, with trading conducted through two divisions – the NYMEX Division, home to the energy, platinum, and palladium markets, and the COMEX Division, on which all other metals trade. Additional risks are associated with international investing, such as currency fluctuations, political and economic instability and differences in accounting standards. This material represents an assessment of the market environment at a specific point in time and is not intended to be a forecast of future events, or a guarantee of future results. MarketingPro, Inc. is not affiliated with any person or firm that may be providing this information to you. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. Citations.1 - nytimes.com/aponline/2018/06/05/us/politics/ap-us-economy-services.html [6/5/18]2 - cnbc.com/2018/06/08/gdp-for-second-quarter-on-track-to-double-2018-full-year-pace-of-2017.html [6/8/18]3 - marketwatch.com/story/new-warnings-about-cuts-to-social-security-and-medicare-are-a-reason-to-worry-2018-06-07 [6/7/18]4 - reuters.com/article/us-usa-stocks/tesla-drives-fourth-day-of-gains-for-nasdaq-banks-up-idUSKCN1J21E8 [6/6/18]5 - markets.wsj.com/us [6/8/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=6%2F8%2F17&x=0&y=0 [6/8/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=6%2F8%2F17&x=0&y=0 [6/8/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=6%2F8%2F17&x=0&y=0 [6/8/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=6%2F7%2F13&x=0&y=0 [6/8/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=6%2F7%2F13&x=0&y=0 [6/8/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=6%2F7%2F13&x=0&y=0 [6/8/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=6%2F9%2F08&x=0&y=0 [6/8/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=6%2F9%2F08&x=0&y=0 [6/8/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=6%2F9%2F08&x=0&y=0 [6/8/18]7 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyield [6/8/18]8 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyieldAll [6/8/18][/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]


What Women Shouldn’t Retire Without

[et_pb_section bb_built="1" _builder_version="3.0.92"][et_pb_row][et_pb_column type="1_2"][et_pb_image _builder_version="3.5.1" src="https://www.meldfinancial.com/wp-content/uploads/ladies-hiking-countrysidefacebook-50.jpg" /][/et_pb_column][et_pb_column type="1_2"][et_pb_text _builder_version="3.5.1" custom_padding="20px|||" custom_padding_last_edited="on|desktop"]

A practical financial checklist for the future.

Provided by Meld Financial, Inc.

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="to registration form - text" _builder_version="3.0.105" background_layout="light" saved_tabs="all" global_module="1444"]

Click here to register for our next event, "Investment Planning: From Growth to Income".

[/et_pb_text][et_pb_text admin_label="Detail - Text" _builder_version="3.5.1"]When our parents retired, living to 75 amounted to a nice long life, and Social Security was often supplemented by a pension. The Social Security Administration estimates that today’s average 65-year-old female will live to age 86.6. Given these projections, it appears that a retirement of 20 years or longer might be in your future.1,2

Are you prepared for a 20-year retirement?

How about a 30- or 40-year retirement? Don’t laugh; it could happen. The SSA projects that about 25% of today’s 65-year-olds will live past 90, with approximately 10% living to be older than 95.2

How do you begin?

How do you draw retirement income off what you’ve saved – how might you create other income streams to complement Social Security? How do you try and protect your retirement savings and other financial assets?Talking with a financial professional may give you some good ideas. You want one who walks your walk, who understands the particular challenges that many women face in saving for retirement (time out of the workforce due to childcare or eldercare, maintaining financial equilibrium in the wake of divorce or death of a spouse).As you have that conversation, you can focus on some of the must-haves.

Plan your investing.

If you are in your fifties, you have less time to make back any big investment losses than you once did. So, protecting what you have is a priority. At the same time, the possibility of a 15-, 20-, or even 30- or 40-year retirement will likely require a growing retirement fund.

Look at long-term care coverage.

While it is an extreme generalization to say that men die sudden deaths and women live longer; however, women do often have longer average life expectancies than men and can require weeks, months, or years of eldercare. Medicare is no substitute for LTC insurance; it only pays for 100 days of nursing home care and only if you get skilled care and enter a nursing home right after a hospital stay of 3 or more days. Long-term care coverage can provide a huge financial relief if and when the need for LTC arises.1,3

Claim Social Security benefits carefully.

If your career and health permit, delaying Social Security is a wise move for single women. If you wait until full retirement age to claim your benefits, you could receive 30-40% larger Social Security payments as a result. For every year you wait to claim Social Security, your monthly payments get about 8% larger.4

Above all, retire with a plan.

Have a financial professional who sees retirement through your eyes help you define it on your terms, with a wealth management approach designed for the long term.[/et_pb_text][et_pb_image _builder_version="3.0.92" src="https://www.meldfinancial.com/wp-content/uploads/logo.png" show_in_lightbox="off" url_new_window="off" use_overlay="off" always_center_on_mobile="on" force_fullwidth="off" show_bottom_space="on" module_class="no-shadow" /][et_pb_text admin_label="Meld Contact Info - Text" _builder_version="3.0.101" background_layout="light"]

Meld Financial, Inc. may be reached at:

205-967-4200

meld@meldfinancial.com

P. O. Box 43626

Birmingham, AL  35243

www.meldfinancial.com

[/et_pb_text][et_pb_text admin_label="Fine Print - Text" _builder_version="3.5.1" text_font_size="10px" custom_css_main_element="font-size:10px important!;"]

Securities offered through Triad Advisors, LLC .  Member FINRA/SIPC.

Advisory services offered through Meld Financial, Inc.

Triad Advisors and Meld Financial are not affiliated.

This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment.Citations.1 - cdc.gov/nchs/products/databriefs/db293.htm [12/21/17]2 - ssa.gov/planners/lifeexpectancy.htm [5/9/18]3 - medicare.gov/coverage/skilled-nursing-facility-care.html [5/8/18]4 - thestreet.com/retirement/how-to-avoid-going-broke-in-retirement-14551119 [4/10/18][/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]


Weekly Economic Update

[et_pb_section bb_built="1" _builder_version="3.0.87" custom_margin="0px|||" custom_padding="0px|||"][et_pb_row _builder_version="3.0.86" custom_margin="||0px|" custom_padding="||0px|"][et_pb_column type="4_4"][et_pb_image admin_label="WEU - Image" _builder_version="3.0.89" src="https://www.meldfinancial.com/wp-content/uploads/WEU-Pic-1200x628.png" show_in_lightbox="off" url_new_window="off" use_overlay="off" always_center_on_mobile="on" force_fullwidth="off" show_bottom_space="on" custom_padding="||20px|" /][et_pb_text admin_label="Meld Financial Presents - H2i - Text" _builder_version="3.0.86" background_layout="light"]

Meld Financial, Inc. Presents:

[/et_pb_text][et_pb_text admin_label="Weekly Economic Update - H1 - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya Sans SC||||||||" header_font="Alegreya SC||||||||" header_font_size="48px" background_color="#dddddd"]

Weekly Economic Update

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.106" background_color_1="#dddddd" custom_margin="0px||0px|" custom_padding="0px||0px|" padding_left_1="6px"][et_pb_column type="1_4"][et_pb_text admin_label="Weekly Quote - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Quote
[/et_pb_text][et_pb_text admin_label="Wkly Quote Detail - Text" _builder_version="3.7"]“Where there is friendship, there is our natural soil.”- Voltaire[/et_pb_text][et_pb_text admin_label="Weekly Tip - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Tip
[/et_pb_text][et_pb_text admin_label="Weekly Tip Detail - Text" _builder_version="3.7"]When a lender permits a borrower to defer a college loan, the borrower may still have to pay interest on the remaining loan balance. The lender, not the borrower, will decide when the loan payments need to restart.[/et_pb_text][et_pb_text admin_label="Weekly Riddle - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Riddle
[/et_pb_text][et_pb_text admin_label="Weekly Riddle Detail - Text" _builder_version="3.7"]It inhibits sight, makes the air colder, and it will come back for you before the day is done. What is it?[/et_pb_text][et_pb_text admin_label="Last Week Riddle - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Last Week's Riddle
[/et_pb_text][et_pb_text admin_label="Last Week Riddle Detail - Text" _builder_version="3.7"]I am plain, thin, and lonely, but you use me all the time. I can appear with one keystroke or just one movement when you write. What am I?[/et_pb_text][et_pb_text admin_label="Last Answer - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Last week's answer:
[/et_pb_text][et_pb_text admin_label="Last Answer Detail - Text" _builder_version="3.7" custom_padding="||224px|" custom_padding_phone="||24px|" custom_padding_last_edited="on|phone"]The number 1.[/et_pb_text][/et_pb_column][et_pb_column type="3_4"][et_pb_text admin_label="Detail - Text" _builder_version="3.7" background_color="#ffffff"]June 18, 2018FED, NEW TARIFFS GET WALL STREET’S ATTENTIONAs expected, the Federal Reserve adjusted the target range on the federal funds rate to 1.75%-2.00% on Wednesday. The central bank’s latest dot-plot projection, however, raised some eyebrows: it showed four interest rate increases planned for 2018 instead of three. The median forecast of Fed officials puts the benchmark interest rate at 2.4% at the end of this year, on the way to a peak of 3.4% in 2020. Friday morning, the Trump administration announced new 25% tariffs on at least $34 billion of Chinese imports. Hours later, China retaliated, declaring that it would levy 25% import taxes on a minimum of $34 billion of goods from America. The U.S. and China both plan to implement their new tariffs on July 6.1,2YEARLY INFLATION REACHES 2.8%The latest Consumer Price Index shows the highest 12-month inflation reading in six years; the core CPI (which leaves out food and fuel costs) rose 2.2% in the year ending in May. Both the headline and core CPI were up 0.2% last month. Wholesale inflation, as measured by the Producer Price Index, increased 0.5% in May.3,4AN IMPRESSIVE ADVANCE FOR RETAIL SALES According to the Department of Commerce, the May gain was 0.8% (0.9% with car and truck buying factored out). This follows an April improvement of 0.4% (revised up from 0.3%).4A MIXED WEEK FOR THE MAJOR INDICESOnce again, the Nasdaq Composite outran the Dow Jones Industrial Average and S&P 500. Last week, the tech benchmark added 1.32% to settle at 7,746.38 at Friday’s closing bell. The S&P 500 ended up flat for the week (+0.01%) at 2,779.42. At Friday’s close, the Dow Jones Industrial Average had slipped 0.89% in five days to 25,090.48.5THIS WEEK: Nothing major is slated for Monday. Wall Street considers earnings from FedEx, La-Z-Boy, and Oracle on Tuesday, along with the latest Census Bureau snapshot of housing construction activity. Federal Reserve Chairman Jerome Powell discusses monetary policy at a European Central Bank forum on Wednesday morning; investors will also eye earnings from Micron Technology, Steelcase, and Winnebago, and a National Association of Realtors report on existing home sales. Thursday, the Conference Board issues its May leading indicators index, a new initial jobless claims report arrives, and Barnes & Noble, Darden Restaurants, Kroger, and Red Hat present earnings. Friday, Blackberry, and CarMax offer Q1 results. 
% CHANGEY-T-D1-YR CHG5-YR AVG10-YR AVG
DJIA+1.50+17.47+13.30+10.45
NASDAQ+12.21+25.64+25.25+21.30
S&P 500+3.96+14.26+14.17+10.43
REAL YIELD6/15 RATE1 YR AGO5 YRS AGO10 YRS AGO
10 YR TIPS0.81%0.49%0.09%1.76%
Sources: wsj.com, bigcharts.com, treasury.gov - 6/15/185,6,7,8Indices are unmanaged, do not incur fees or expenses, and cannot be invested into directly. These returns do not include dividends. 10-year TIPS real yield = projected return at maturity given expected inflation.[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.86" custom_margin="0px|||" custom_padding="0px|||"][et_pb_column type="4_4"][et_pb_text admin_label="Forward to friends - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya Sans SC||||||||" header_font="Alegreya SC||||||||" header_font_size="48px" background_color="#dddddd"]

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[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="Contact Info - Text" _builder_version="3.0.86" background_layout="light"]

Meld Financial, Inc.

P.O. Box 43626

Birmingham, AL  35243

Phone:  205-967-4200

Email:  Meld@meldfinancial.com

www.meldfinancial.com

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="Securities Offered by - Text" _builder_version="3.0.106" background_layout="light" saved_tabs="all"]

Securities offered through Triad Advisors, LLC. Member FINRA/SIPC.

Advisory services offered through Meld Financial, Inc.

Triad Advisors and Meld Financial are not affiliated.

[/et_pb_text][et_pb_text admin_label="Disclosure Detail - Text" _builder_version="3.7" text_font_size="10px" module_class="fine-print-post-text"]This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. The information herein has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. Investments will fluctuate and when redeemed may be worth more or less than when originally invested. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All market indices discussed are unmanaged and are not illustrative of any particular investment. Indices do not incur management fees, costs and expenses, and cannot be invested into directly. All economic and performance data is historical and not indicative of future results. The Dow Jones Industrial Average is a price-weighted index of 30 actively traded blue-chip stocks. The NASDAQ Composite Index is a market-weighted index of all over-the-counter common stocks traded on the National Association of Securities Dealers Automated Quotation System. The Standard & Poor's 500 (S&P 500) is a market-cap weighted index composed of the common stocks of 500 leading companies in leading industries of the U.S. economy. NYSE Group, Inc. (NYSE:NYX) operates two securities exchanges: the New York Stock Exchange (the “NYSE”) and NYSE Arca (formerly known as the Archipelago Exchange, or ArcaEx®, and the Pacific Exchange). NYSE Group is a leading provider of securities listing, trading and market data products and services. The New York Mercantile Exchange, Inc. (NYMEX) is the world's largest physical commodity futures exchange and the preeminent trading forum for energy and precious metals, with trading conducted through two divisions – the NYMEX Division, home to the energy, platinum, and palladium markets, and the COMEX Division, on which all other metals trade. Additional risks are associated with international investing, such as currency fluctuations, political and economic instability and differences in accounting standards. This material represents an assessment of the market environment at a specific point in time and is not intended to be a forecast of future events, or a guarantee of future results. MarketingPro, Inc. is not affiliated with any person or firm that may be providing this information to you. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. Citations.1 - marketwatch.com/story/fomc-lifts-fed-funds-rate-to-175-2-signals-4-hikes-in-2018-2018-06-13 [6/13/18]2 - cnbc.com/2018/06/15/china-announces-retaliatory-tariffs-on-34-billion-worth-of-us-goods-including-agriculture-products.html [6/15/18]3 - bloomberg.com/news/articles/2018-06-12/u-s-consumer-prices-rise-by-most-since-2012 [6/12/18]4 - briefing.com/investor/calendars/economic/2018/06/11-15 [6/15/18]5 - markets.wsj.com/us [6/15/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=6%2F15%2F17&x=0&y=0 [6/15/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=6%2F15%2F17&x=0&y=0 [6/15/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=6%2F15%2F17&x=0&y=0 [6/15/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=6%2F14%2F13&x=0&y=0 [6/15/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=6%2F14%2F13&x=0&y=0 [6/15/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=6%2F14%2F13&x=0&y=0 [6/15/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=6%2F16%2F08&x=0&y=0 [6/15/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=6%2F16%2F08&x=0&y=0 [6/15/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=6%2F16%2F08&x=0&y=0 [6/15/18]7 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyield [6/15/18]8 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyieldAll [6/15/18][/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]


Weekly Economic Update

[et_pb_section bb_built="1" _builder_version="3.0.87" custom_margin="0px|||" custom_padding="0px|||"][et_pb_row _builder_version="3.0.86" custom_margin="||0px|" custom_padding="||0px|"][et_pb_column type="4_4"][et_pb_image admin_label="WEU - Image" _builder_version="3.0.89" src="https://www.meldfinancial.com/wp-content/uploads/WEU-Pic-1200x628.png" show_in_lightbox="off" url_new_window="off" use_overlay="off" always_center_on_mobile="on" force_fullwidth="off" show_bottom_space="on" custom_padding="||20px|" /][et_pb_text admin_label="Meld Financial Presents - H2i - Text" _builder_version="3.0.86" background_layout="light"]

Meld Financial, Inc. Presents:

[/et_pb_text][et_pb_text admin_label="Weekly Economic Update - H1 - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya Sans SC||||||||" header_font="Alegreya SC||||||||" header_font_size="48px" background_color="#dddddd"]

Weekly Economic Update

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.106" background_color_1="#dddddd" custom_margin="0px||0px|" custom_padding="0px||0px|" padding_left_1="6px"][et_pb_column type="1_4"][et_pb_text admin_label="Weekly Quote - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Quote
[/et_pb_text][et_pb_text admin_label="Wkly Quote Detail - Text" _builder_version="3.6"]“Reflect on your present blessings, of which every man has many; not on your past misfortunes, of which all men have some.”- Charles Dickens[/et_pb_text][et_pb_text admin_label="Weekly Tip - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Tip
[/et_pb_text][et_pb_text admin_label="Weekly Tip Detail - Text" _builder_version="3.6"]If you get an email asking for your personal or financial information from what appears to be the Internal Revenue Service, it is probably a scam. The I.R.S. does not use emails, text messages, or social media to make initial inquiries about these matters.[/et_pb_text][et_pb_text admin_label="Weekly Riddle - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Riddle
[/et_pb_text][et_pb_text admin_label="Weekly Riddle Detail - Text" _builder_version="3.6"]I am plain, thin, and lonely, but you use me all the time. I can appear with one keystroke or just one movement when you write. What am I?[/et_pb_text][et_pb_text admin_label="Last Week Riddle - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Last Week's Riddle
[/et_pb_text][et_pb_text admin_label="Last Week Riddle Detail - Text" _builder_version="3.6"]You can put me on a table and cut me, but you will never eat me. What am I?[/et_pb_text][et_pb_text admin_label="Last Answer - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Last week's answer:
[/et_pb_text][et_pb_text admin_label="Last Answer Detail - Text" _builder_version="3.6" custom_padding="||224px|" custom_padding_phone="||24px|" custom_padding_last_edited="on|phone"]A deck of cards.[/et_pb_text][/et_pb_column][et_pb_column type="3_4"][et_pb_text admin_label="Detail - Text" _builder_version="3.6" background_color="#ffffff"]June 11, 2018100 MONTHS OF GROWTH FOR SERVICE BUSINESSESThe Institute for Supply Management announced this milestone as it revealed a 58.6 May reading for its non-manufacturing purchasing manager index. That excellent reading was well north of the 56.8 mark seen in April. Fourteen of the fifteen service industries followed by the PMI reported expansion in May; the information sector was the only outlier.1Q2 GDP OUTLOOK BRIGHTENSIs the economy now expanding at the rate of 5% a year? The bold new estimate by the Federal Reserve Bank of Atlanta nearly says as much. The Atlanta Fed projects a 4.6% GDP reading for Q2. The first quarter saw a 2.2% rate of growth, and the economy grew 2.3% for all of 2017.2SOCIAL SECURITY TO TAP ITS RESERVES THIS YEARLast week, Social Security’s trustees announced that the program needs to dip into its trust funds for the first time in 36 years in order to fully fund itself in 2018. In their annual report, the trustees noted that monthly benefits could be reduced as much as 23% by 2034 if no legislative action is taken on Capitol Hill between now and then. The report also noted that Medicare’s hospital insurance fund risks being depleted by 2026; barring a fix, Medicare might only pay out 91% of hospital costs at that point.3NASDAQ ATTAINS RECORD TERRITORY AGAINFinishing Friday at 7,645.51, the Nasdaq Composite retreated from its historic closes on Monday, Tuesday, and Wednesday of last week. Even so, it gained 1.21% across five trading sessions. The S&P 500 added 1.62% last week to settle at 2,779.03 Friday. The Dow Jones Industrial Average? It rose 2.77% for the week, reaching 25,316.53 at Friday’s closing bell.4,5THIS WEEK: Nothing major is scheduled on Monday. The May Consumer Price Index appears Tuesday, plus earnings from H&R Block. Wednesday, Wall Street awaits a Federal Reserve interest rate decision and considers the May Producer Price Index. May retail sales numbers appear Thursday, in addition to a new initial jobless claims report and quarterly results from Michaels Companies. On Friday, the University of Michigan releases its preliminary June consumer sentiment index. 
% CHANGEY-T-D1-YR CHG5-YR AVG10-YR AVG
DJIA+2.42+19.52+13.21+10.62
NASDAQ+10.75+20.94+24.08+21.09
S&P 500+3.94+14.19+13.82+10.41
REAL YIELD6/8 RATE1 YR AGO5 YRS AGO10 YRS AGO
10 YR TIPS0.82%0.41%0.03%1.54%
 Sources: wsj.com, bigcharts.com, treasury.gov - 6/8/185,6,7,8Indices are unmanaged, do not incur fees or expenses, and cannot be invested into directly. These returns do not include dividends. 10-year TIPS real yield = projected return at maturity given expected inflation.[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.86" custom_margin="0px|||" custom_padding="0px|||"][et_pb_column type="4_4"][et_pb_text admin_label="Forward to friends - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya Sans SC||||||||" header_font="Alegreya SC||||||||" header_font_size="48px" background_color="#dddddd"]

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[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="Contact Info - Text" _builder_version="3.0.86" background_layout="light"]

Meld Financial, Inc.

P.O. Box 43626

Birmingham, AL  35243

Phone:  205-967-4200

Email:  Meld@meldfinancial.com

www.meldfinancial.com

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="Securities Offered by - Text" _builder_version="3.0.106" background_layout="light" saved_tabs="all"]

Securities offered through Triad Advisors, LLC. Member FINRA/SIPC.

Advisory services offered through Meld Financial, Inc.

Triad Advisors and Meld Financial are not affiliated.

[/et_pb_text][et_pb_text admin_label="Disclosure Detail - Text" _builder_version="3.6" text_font_size="10px" module_class="fine-print-post-text"]This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. The information herein has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. Investments will fluctuate and when redeemed may be worth more or less than when originally invested. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All market indices discussed are unmanaged and are not illustrative of any particular investment. Indices do not incur management fees, costs and expenses, and cannot be invested into directly. All economic and performance data is historical and not indicative of future results. The Dow Jones Industrial Average is a price-weighted index of 30 actively traded blue-chip stocks. The NASDAQ Composite Index is a market-weighted index of all over-the-counter common stocks traded on the National Association of Securities Dealers Automated Quotation System. The Standard & Poor's 500 (S&P 500) is a market-cap weighted index composed of the common stocks of 500 leading companies in leading industries of the U.S. economy. NYSE Group, Inc. (NYSE:NYX) operates two securities exchanges: the New York Stock Exchange (the “NYSE”) and NYSE Arca (formerly known as the Archipelago Exchange, or ArcaEx®, and the Pacific Exchange). NYSE Group is a leading provider of securities listing, trading and market data products and services. The New York Mercantile Exchange, Inc. (NYMEX) is the world's largest physical commodity futures exchange and the preeminent trading forum for energy and precious metals, with trading conducted through two divisions – the NYMEX Division, home to the energy, platinum, and palladium markets, and the COMEX Division, on which all other metals trade. Additional risks are associated with international investing, such as currency fluctuations, political and economic instability and differences in accounting standards. This material represents an assessment of the market environment at a specific point in time and is not intended to be a forecast of future events, or a guarantee of future results. MarketingPro, Inc. is not affiliated with any person or firm that may be providing this information to you. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. Citations.1 - nytimes.com/aponline/2018/06/05/us/politics/ap-us-economy-services.html [6/5/18]2 - cnbc.com/2018/06/08/gdp-for-second-quarter-on-track-to-double-2018-full-year-pace-of-2017.html [6/8/18]3 - marketwatch.com/story/new-warnings-about-cuts-to-social-security-and-medicare-are-a-reason-to-worry-2018-06-07 [6/7/18]4 - reuters.com/article/us-usa-stocks/tesla-drives-fourth-day-of-gains-for-nasdaq-banks-up-idUSKCN1J21E8 [6/6/18]5 - markets.wsj.com/us [6/8/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=6%2F8%2F17&x=0&y=0 [6/8/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=6%2F8%2F17&x=0&y=0 [6/8/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=6%2F8%2F17&x=0&y=0 [6/8/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=6%2F7%2F13&x=0&y=0 [6/8/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=6%2F7%2F13&x=0&y=0 [6/8/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=6%2F7%2F13&x=0&y=0 [6/8/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=6%2F9%2F08&x=0&y=0 [6/8/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=6%2F9%2F08&x=0&y=0 [6/8/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=6%2F9%2F08&x=0&y=0 [6/8/18]7 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyield [6/8/18]8 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyieldAll [6/8/18][/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]


What Women Shouldn’t Retire Without

[et_pb_section bb_built="1" _builder_version="3.0.92"][et_pb_row][et_pb_column type="1_2"][et_pb_image _builder_version="3.5.1" src="https://www.meldfinancial.com/wp-content/uploads/ladies-hiking-countrysidefacebook-50.jpg" /][/et_pb_column][et_pb_column type="1_2"][et_pb_text _builder_version="3.5.1" custom_padding="20px|||" custom_padding_last_edited="on|desktop"]

A practical financial checklist for the future.

Provided by Meld Financial, Inc.

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="to registration form - text" _builder_version="3.0.105" background_layout="light" saved_tabs="all" global_module="1444"]

Click here to register for our next event, "Investment Planning: From Growth to Income".

[/et_pb_text][et_pb_text admin_label="Detail - Text" _builder_version="3.5.1"]When our parents retired, living to 75 amounted to a nice long life, and Social Security was often supplemented by a pension. The Social Security Administration estimates that today’s average 65-year-old female will live to age 86.6. Given these projections, it appears that a retirement of 20 years or longer might be in your future.1,2

Are you prepared for a 20-year retirement?

How about a 30- or 40-year retirement? Don’t laugh; it could happen. The SSA projects that about 25% of today’s 65-year-olds will live past 90, with approximately 10% living to be older than 95.2

How do you begin?

How do you draw retirement income off what you’ve saved – how might you create other income streams to complement Social Security? How do you try and protect your retirement savings and other financial assets?Talking with a financial professional may give you some good ideas. You want one who walks your walk, who understands the particular challenges that many women face in saving for retirement (time out of the workforce due to childcare or eldercare, maintaining financial equilibrium in the wake of divorce or death of a spouse).As you have that conversation, you can focus on some of the must-haves.

Plan your investing.

If you are in your fifties, you have less time to make back any big investment losses than you once did. So, protecting what you have is a priority. At the same time, the possibility of a 15-, 20-, or even 30- or 40-year retirement will likely require a growing retirement fund.

Look at long-term care coverage.

While it is an extreme generalization to say that men die sudden deaths and women live longer; however, women do often have longer average life expectancies than men and can require weeks, months, or years of eldercare. Medicare is no substitute for LTC insurance; it only pays for 100 days of nursing home care and only if you get skilled care and enter a nursing home right after a hospital stay of 3 or more days. Long-term care coverage can provide a huge financial relief if and when the need for LTC arises.1,3

Claim Social Security benefits carefully.

If your career and health permit, delaying Social Security is a wise move for single women. If you wait until full retirement age to claim your benefits, you could receive 30-40% larger Social Security payments as a result. For every year you wait to claim Social Security, your monthly payments get about 8% larger.4

Above all, retire with a plan.

Have a financial professional who sees retirement through your eyes help you define it on your terms, with a wealth management approach designed for the long term.[/et_pb_text][et_pb_image _builder_version="3.0.92" src="https://www.meldfinancial.com/wp-content/uploads/logo.png" show_in_lightbox="off" url_new_window="off" use_overlay="off" always_center_on_mobile="on" force_fullwidth="off" show_bottom_space="on" module_class="no-shadow" /][et_pb_text admin_label="Meld Contact Info - Text" _builder_version="3.0.101" background_layout="light"]

Meld Financial, Inc. may be reached at:

205-967-4200

meld@meldfinancial.com

P. O. Box 43626

Birmingham, AL  35243

www.meldfinancial.com

[/et_pb_text][et_pb_text admin_label="Fine Print - Text" _builder_version="3.5.1" text_font_size="10px" custom_css_main_element="font-size:10px important!;"]

Securities offered through Triad Advisors, LLC .  Member FINRA/SIPC.

Advisory services offered through Meld Financial, Inc.

Triad Advisors and Meld Financial are not affiliated.

This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment.Citations.1 - cdc.gov/nchs/products/databriefs/db293.htm [12/21/17]2 - ssa.gov/planners/lifeexpectancy.htm [5/9/18]3 - medicare.gov/coverage/skilled-nursing-facility-care.html [5/8/18]4 - thestreet.com/retirement/how-to-avoid-going-broke-in-retirement-14551119 [4/10/18][/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]


Weekly Economic Update

[et_pb_section bb_built="1" _builder_version="3.0.87" custom_margin="0px|||" custom_padding="0px|||"][et_pb_row _builder_version="3.0.86" custom_margin="||0px|" custom_padding="||0px|"][et_pb_column type="4_4"][et_pb_image admin_label="WEU - Image" _builder_version="3.0.89" src="https://www.meldfinancial.com/wp-content/uploads/WEU-Pic-1200x628.png" show_in_lightbox="off" url_new_window="off" use_overlay="off" always_center_on_mobile="on" force_fullwidth="off" show_bottom_space="on" custom_padding="||20px|" /][et_pb_text admin_label="Meld Financial Presents - H2i - Text" _builder_version="3.0.86" background_layout="light"]

Meld Financial, Inc. Presents:

[/et_pb_text][et_pb_text admin_label="Weekly Economic Update - H1 - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya Sans SC||||||||" header_font="Alegreya SC||||||||" header_font_size="48px" background_color="#dddddd"]

Weekly Economic Update

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.106" background_color_1="#dddddd" custom_margin="0px||0px|" custom_padding="0px||0px|" padding_left_1="6px"][et_pb_column type="1_4"][et_pb_text admin_label="Weekly Quote - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Quote
[/et_pb_text][et_pb_text admin_label="Wkly Quote Detail - Text" _builder_version="3.7"]“Where there is friendship, there is our natural soil.”- Voltaire[/et_pb_text][et_pb_text admin_label="Weekly Tip - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Tip
[/et_pb_text][et_pb_text admin_label="Weekly Tip Detail - Text" _builder_version="3.7"]When a lender permits a borrower to defer a college loan, the borrower may still have to pay interest on the remaining loan balance. The lender, not the borrower, will decide when the loan payments need to restart.[/et_pb_text][et_pb_text admin_label="Weekly Riddle - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Riddle
[/et_pb_text][et_pb_text admin_label="Weekly Riddle Detail - Text" _builder_version="3.7"]It inhibits sight, makes the air colder, and it will come back for you before the day is done. What is it?[/et_pb_text][et_pb_text admin_label="Last Week Riddle - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Last Week's Riddle
[/et_pb_text][et_pb_text admin_label="Last Week Riddle Detail - Text" _builder_version="3.7"]I am plain, thin, and lonely, but you use me all the time. I can appear with one keystroke or just one movement when you write. What am I?[/et_pb_text][et_pb_text admin_label="Last Answer - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Last week's answer:
[/et_pb_text][et_pb_text admin_label="Last Answer Detail - Text" _builder_version="3.7" custom_padding="||224px|" custom_padding_phone="||24px|" custom_padding_last_edited="on|phone"]The number 1.[/et_pb_text][/et_pb_column][et_pb_column type="3_4"][et_pb_text admin_label="Detail - Text" _builder_version="3.7" background_color="#ffffff"]June 18, 2018FED, NEW TARIFFS GET WALL STREET’S ATTENTIONAs expected, the Federal Reserve adjusted the target range on the federal funds rate to 1.75%-2.00% on Wednesday. The central bank’s latest dot-plot projection, however, raised some eyebrows: it showed four interest rate increases planned for 2018 instead of three. The median forecast of Fed officials puts the benchmark interest rate at 2.4% at the end of this year, on the way to a peak of 3.4% in 2020. Friday morning, the Trump administration announced new 25% tariffs on at least $34 billion of Chinese imports. Hours later, China retaliated, declaring that it would levy 25% import taxes on a minimum of $34 billion of goods from America. The U.S. and China both plan to implement their new tariffs on July 6.1,2YEARLY INFLATION REACHES 2.8%The latest Consumer Price Index shows the highest 12-month inflation reading in six years; the core CPI (which leaves out food and fuel costs) rose 2.2% in the year ending in May. Both the headline and core CPI were up 0.2% last month. Wholesale inflation, as measured by the Producer Price Index, increased 0.5% in May.3,4AN IMPRESSIVE ADVANCE FOR RETAIL SALES According to the Department of Commerce, the May gain was 0.8% (0.9% with car and truck buying factored out). This follows an April improvement of 0.4% (revised up from 0.3%).4A MIXED WEEK FOR THE MAJOR INDICESOnce again, the Nasdaq Composite outran the Dow Jones Industrial Average and S&P 500. Last week, the tech benchmark added 1.32% to settle at 7,746.38 at Friday’s closing bell. The S&P 500 ended up flat for the week (+0.01%) at 2,779.42. At Friday’s close, the Dow Jones Industrial Average had slipped 0.89% in five days to 25,090.48.5THIS WEEK: Nothing major is slated for Monday. Wall Street considers earnings from FedEx, La-Z-Boy, and Oracle on Tuesday, along with the latest Census Bureau snapshot of housing construction activity. Federal Reserve Chairman Jerome Powell discusses monetary policy at a European Central Bank forum on Wednesday morning; investors will also eye earnings from Micron Technology, Steelcase, and Winnebago, and a National Association of Realtors report on existing home sales. Thursday, the Conference Board issues its May leading indicators index, a new initial jobless claims report arrives, and Barnes & Noble, Darden Restaurants, Kroger, and Red Hat present earnings. Friday, Blackberry, and CarMax offer Q1 results. 
% CHANGEY-T-D1-YR CHG5-YR AVG10-YR AVG
DJIA+1.50+17.47+13.30+10.45
NASDAQ+12.21+25.64+25.25+21.30
S&P 500+3.96+14.26+14.17+10.43
REAL YIELD6/15 RATE1 YR AGO5 YRS AGO10 YRS AGO
10 YR TIPS0.81%0.49%0.09%1.76%
Sources: wsj.com, bigcharts.com, treasury.gov - 6/15/185,6,7,8Indices are unmanaged, do not incur fees or expenses, and cannot be invested into directly. These returns do not include dividends. 10-year TIPS real yield = projected return at maturity given expected inflation.[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.86" custom_margin="0px|||" custom_padding="0px|||"][et_pb_column type="4_4"][et_pb_text admin_label="Forward to friends - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya Sans SC||||||||" header_font="Alegreya SC||||||||" header_font_size="48px" background_color="#dddddd"]

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[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="Contact Info - Text" _builder_version="3.0.86" background_layout="light"]

Meld Financial, Inc.

P.O. Box 43626

Birmingham, AL  35243

Phone:  205-967-4200

Email:  Meld@meldfinancial.com

www.meldfinancial.com

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="Securities Offered by - Text" _builder_version="3.0.106" background_layout="light" saved_tabs="all"]

Securities offered through Triad Advisors, LLC. Member FINRA/SIPC.

Advisory services offered through Meld Financial, Inc.

Triad Advisors and Meld Financial are not affiliated.

[/et_pb_text][et_pb_text admin_label="Disclosure Detail - Text" _builder_version="3.7" text_font_size="10px" module_class="fine-print-post-text"]This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. The information herein has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. Investments will fluctuate and when redeemed may be worth more or less than when originally invested. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All market indices discussed are unmanaged and are not illustrative of any particular investment. Indices do not incur management fees, costs and expenses, and cannot be invested into directly. All economic and performance data is historical and not indicative of future results. The Dow Jones Industrial Average is a price-weighted index of 30 actively traded blue-chip stocks. The NASDAQ Composite Index is a market-weighted index of all over-the-counter common stocks traded on the National Association of Securities Dealers Automated Quotation System. The Standard & Poor's 500 (S&P 500) is a market-cap weighted index composed of the common stocks of 500 leading companies in leading industries of the U.S. economy. NYSE Group, Inc. (NYSE:NYX) operates two securities exchanges: the New York Stock Exchange (the “NYSE”) and NYSE Arca (formerly known as the Archipelago Exchange, or ArcaEx®, and the Pacific Exchange). NYSE Group is a leading provider of securities listing, trading and market data products and services. The New York Mercantile Exchange, Inc. (NYMEX) is the world's largest physical commodity futures exchange and the preeminent trading forum for energy and precious metals, with trading conducted through two divisions – the NYMEX Division, home to the energy, platinum, and palladium markets, and the COMEX Division, on which all other metals trade. Additional risks are associated with international investing, such as currency fluctuations, political and economic instability and differences in accounting standards. This material represents an assessment of the market environment at a specific point in time and is not intended to be a forecast of future events, or a guarantee of future results. MarketingPro, Inc. is not affiliated with any person or firm that may be providing this information to you. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. Citations.1 - marketwatch.com/story/fomc-lifts-fed-funds-rate-to-175-2-signals-4-hikes-in-2018-2018-06-13 [6/13/18]2 - cnbc.com/2018/06/15/china-announces-retaliatory-tariffs-on-34-billion-worth-of-us-goods-including-agriculture-products.html [6/15/18]3 - bloomberg.com/news/articles/2018-06-12/u-s-consumer-prices-rise-by-most-since-2012 [6/12/18]4 - briefing.com/investor/calendars/economic/2018/06/11-15 [6/15/18]5 - markets.wsj.com/us [6/15/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=6%2F15%2F17&x=0&y=0 [6/15/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=6%2F15%2F17&x=0&y=0 [6/15/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=6%2F15%2F17&x=0&y=0 [6/15/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=6%2F14%2F13&x=0&y=0 [6/15/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=6%2F14%2F13&x=0&y=0 [6/15/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=6%2F14%2F13&x=0&y=0 [6/15/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=6%2F16%2F08&x=0&y=0 [6/15/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=6%2F16%2F08&x=0&y=0 [6/15/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=6%2F16%2F08&x=0&y=0 [6/15/18]7 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyield [6/15/18]8 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyieldAll [6/15/18][/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]


Weekly Economic Update

[et_pb_section bb_built="1" _builder_version="3.0.87" custom_margin="0px|||" custom_padding="0px|||"][et_pb_row _builder_version="3.0.86" custom_margin="||0px|" custom_padding="||0px|"][et_pb_column type="4_4"][et_pb_image admin_label="WEU - Image" _builder_version="3.0.89" src="https://www.meldfinancial.com/wp-content/uploads/WEU-Pic-1200x628.png" show_in_lightbox="off" url_new_window="off" use_overlay="off" always_center_on_mobile="on" force_fullwidth="off" show_bottom_space="on" custom_padding="||20px|" /][et_pb_text admin_label="Meld Financial Presents - H2i - Text" _builder_version="3.0.86" background_layout="light"]

Meld Financial, Inc. Presents:

[/et_pb_text][et_pb_text admin_label="Weekly Economic Update - H1 - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya Sans SC||||||||" header_font="Alegreya SC||||||||" header_font_size="48px" background_color="#dddddd"]

Weekly Economic Update

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.106" background_color_1="#dddddd" custom_margin="0px||0px|" custom_padding="0px||0px|" padding_left_1="6px"][et_pb_column type="1_4"][et_pb_text admin_label="Weekly Quote - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Quote
[/et_pb_text][et_pb_text admin_label="Wkly Quote Detail - Text" _builder_version="3.6"]“Reflect on your present blessings, of which every man has many; not on your past misfortunes, of which all men have some.”- Charles Dickens[/et_pb_text][et_pb_text admin_label="Weekly Tip - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Tip
[/et_pb_text][et_pb_text admin_label="Weekly Tip Detail - Text" _builder_version="3.6"]If you get an email asking for your personal or financial information from what appears to be the Internal Revenue Service, it is probably a scam. The I.R.S. does not use emails, text messages, or social media to make initial inquiries about these matters.[/et_pb_text][et_pb_text admin_label="Weekly Riddle - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Riddle
[/et_pb_text][et_pb_text admin_label="Weekly Riddle Detail - Text" _builder_version="3.6"]I am plain, thin, and lonely, but you use me all the time. I can appear with one keystroke or just one movement when you write. What am I?[/et_pb_text][et_pb_text admin_label="Last Week Riddle - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Last Week's Riddle
[/et_pb_text][et_pb_text admin_label="Last Week Riddle Detail - Text" _builder_version="3.6"]You can put me on a table and cut me, but you will never eat me. What am I?[/et_pb_text][et_pb_text admin_label="Last Answer - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Last week's answer:
[/et_pb_text][et_pb_text admin_label="Last Answer Detail - Text" _builder_version="3.6" custom_padding="||224px|" custom_padding_phone="||24px|" custom_padding_last_edited="on|phone"]A deck of cards.[/et_pb_text][/et_pb_column][et_pb_column type="3_4"][et_pb_text admin_label="Detail - Text" _builder_version="3.6" background_color="#ffffff"]June 11, 2018100 MONTHS OF GROWTH FOR SERVICE BUSINESSESThe Institute for Supply Management announced this milestone as it revealed a 58.6 May reading for its non-manufacturing purchasing manager index. That excellent reading was well north of the 56.8 mark seen in April. Fourteen of the fifteen service industries followed by the PMI reported expansion in May; the information sector was the only outlier.1Q2 GDP OUTLOOK BRIGHTENSIs the economy now expanding at the rate of 5% a year? The bold new estimate by the Federal Reserve Bank of Atlanta nearly says as much. The Atlanta Fed projects a 4.6% GDP reading for Q2. The first quarter saw a 2.2% rate of growth, and the economy grew 2.3% for all of 2017.2SOCIAL SECURITY TO TAP ITS RESERVES THIS YEARLast week, Social Security’s trustees announced that the program needs to dip into its trust funds for the first time in 36 years in order to fully fund itself in 2018. In their annual report, the trustees noted that monthly benefits could be reduced as much as 23% by 2034 if no legislative action is taken on Capitol Hill between now and then. The report also noted that Medicare’s hospital insurance fund risks being depleted by 2026; barring a fix, Medicare might only pay out 91% of hospital costs at that point.3NASDAQ ATTAINS RECORD TERRITORY AGAINFinishing Friday at 7,645.51, the Nasdaq Composite retreated from its historic closes on Monday, Tuesday, and Wednesday of last week. Even so, it gained 1.21% across five trading sessions. The S&P 500 added 1.62% last week to settle at 2,779.03 Friday. The Dow Jones Industrial Average? It rose 2.77% for the week, reaching 25,316.53 at Friday’s closing bell.4,5THIS WEEK: Nothing major is scheduled on Monday. The May Consumer Price Index appears Tuesday, plus earnings from H&R Block. Wednesday, Wall Street awaits a Federal Reserve interest rate decision and considers the May Producer Price Index. May retail sales numbers appear Thursday, in addition to a new initial jobless claims report and quarterly results from Michaels Companies. On Friday, the University of Michigan releases its preliminary June consumer sentiment index. 
% CHANGEY-T-D1-YR CHG5-YR AVG10-YR AVG
DJIA+2.42+19.52+13.21+10.62
NASDAQ+10.75+20.94+24.08+21.09
S&P 500+3.94+14.19+13.82+10.41
REAL YIELD6/8 RATE1 YR AGO5 YRS AGO10 YRS AGO
10 YR TIPS0.82%0.41%0.03%1.54%
 Sources: wsj.com, bigcharts.com, treasury.gov - 6/8/185,6,7,8Indices are unmanaged, do not incur fees or expenses, and cannot be invested into directly. These returns do not include dividends. 10-year TIPS real yield = projected return at maturity given expected inflation.[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.86" custom_margin="0px|||" custom_padding="0px|||"][et_pb_column type="4_4"][et_pb_text admin_label="Forward to friends - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya Sans SC||||||||" header_font="Alegreya SC||||||||" header_font_size="48px" background_color="#dddddd"]

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[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="Contact Info - Text" _builder_version="3.0.86" background_layout="light"]

Meld Financial, Inc.

P.O. Box 43626

Birmingham, AL  35243

Phone:  205-967-4200

Email:  Meld@meldfinancial.com

www.meldfinancial.com

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="Securities Offered by - Text" _builder_version="3.0.106" background_layout="light" saved_tabs="all"]

Securities offered through Triad Advisors, LLC. Member FINRA/SIPC.

Advisory services offered through Meld Financial, Inc.

Triad Advisors and Meld Financial are not affiliated.

[/et_pb_text][et_pb_text admin_label="Disclosure Detail - Text" _builder_version="3.6" text_font_size="10px" module_class="fine-print-post-text"]This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. The information herein has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. Investments will fluctuate and when redeemed may be worth more or less than when originally invested. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All market indices discussed are unmanaged and are not illustrative of any particular investment. Indices do not incur management fees, costs and expenses, and cannot be invested into directly. All economic and performance data is historical and not indicative of future results. The Dow Jones Industrial Average is a price-weighted index of 30 actively traded blue-chip stocks. The NASDAQ Composite Index is a market-weighted index of all over-the-counter common stocks traded on the National Association of Securities Dealers Automated Quotation System. The Standard & Poor's 500 (S&P 500) is a market-cap weighted index composed of the common stocks of 500 leading companies in leading industries of the U.S. economy. NYSE Group, Inc. (NYSE:NYX) operates two securities exchanges: the New York Stock Exchange (the “NYSE”) and NYSE Arca (formerly known as the Archipelago Exchange, or ArcaEx®, and the Pacific Exchange). NYSE Group is a leading provider of securities listing, trading and market data products and services. The New York Mercantile Exchange, Inc. (NYMEX) is the world's largest physical commodity futures exchange and the preeminent trading forum for energy and precious metals, with trading conducted through two divisions – the NYMEX Division, home to the energy, platinum, and palladium markets, and the COMEX Division, on which all other metals trade. Additional risks are associated with international investing, such as currency fluctuations, political and economic instability and differences in accounting standards. This material represents an assessment of the market environment at a specific point in time and is not intended to be a forecast of future events, or a guarantee of future results. MarketingPro, Inc. is not affiliated with any person or firm that may be providing this information to you. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. Citations.1 - nytimes.com/aponline/2018/06/05/us/politics/ap-us-economy-services.html [6/5/18]2 - cnbc.com/2018/06/08/gdp-for-second-quarter-on-track-to-double-2018-full-year-pace-of-2017.html [6/8/18]3 - marketwatch.com/story/new-warnings-about-cuts-to-social-security-and-medicare-are-a-reason-to-worry-2018-06-07 [6/7/18]4 - reuters.com/article/us-usa-stocks/tesla-drives-fourth-day-of-gains-for-nasdaq-banks-up-idUSKCN1J21E8 [6/6/18]5 - markets.wsj.com/us [6/8/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=6%2F8%2F17&x=0&y=0 [6/8/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=6%2F8%2F17&x=0&y=0 [6/8/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=6%2F8%2F17&x=0&y=0 [6/8/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=6%2F7%2F13&x=0&y=0 [6/8/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=6%2F7%2F13&x=0&y=0 [6/8/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=6%2F7%2F13&x=0&y=0 [6/8/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=6%2F9%2F08&x=0&y=0 [6/8/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=6%2F9%2F08&x=0&y=0 [6/8/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=6%2F9%2F08&x=0&y=0 [6/8/18]7 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyield [6/8/18]8 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyieldAll [6/8/18][/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]


What Women Shouldn’t Retire Without

[et_pb_section bb_built="1" _builder_version="3.0.92"][et_pb_row][et_pb_column type="1_2"][et_pb_image _builder_version="3.5.1" src="https://www.meldfinancial.com/wp-content/uploads/ladies-hiking-countrysidefacebook-50.jpg" /][/et_pb_column][et_pb_column type="1_2"][et_pb_text _builder_version="3.5.1" custom_padding="20px|||" custom_padding_last_edited="on|desktop"]

A practical financial checklist for the future.

Provided by Meld Financial, Inc.

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="to registration form - text" _builder_version="3.0.105" background_layout="light" saved_tabs="all" global_module="1444"]

Click here to register for our next event, "Investment Planning: From Growth to Income".

[/et_pb_text][et_pb_text admin_label="Detail - Text" _builder_version="3.5.1"]When our parents retired, living to 75 amounted to a nice long life, and Social Security was often supplemented by a pension. The Social Security Administration estimates that today’s average 65-year-old female will live to age 86.6. Given these projections, it appears that a retirement of 20 years or longer might be in your future.1,2

Are you prepared for a 20-year retirement?

How about a 30- or 40-year retirement? Don’t laugh; it could happen. The SSA projects that about 25% of today’s 65-year-olds will live past 90, with approximately 10% living to be older than 95.2

How do you begin?

How do you draw retirement income off what you’ve saved – how might you create other income streams to complement Social Security? How do you try and protect your retirement savings and other financial assets?Talking with a financial professional may give you some good ideas. You want one who walks your walk, who understands the particular challenges that many women face in saving for retirement (time out of the workforce due to childcare or eldercare, maintaining financial equilibrium in the wake of divorce or death of a spouse).As you have that conversation, you can focus on some of the must-haves.

Plan your investing.

If you are in your fifties, you have less time to make back any big investment losses than you once did. So, protecting what you have is a priority. At the same time, the possibility of a 15-, 20-, or even 30- or 40-year retirement will likely require a growing retirement fund.

Look at long-term care coverage.

While it is an extreme generalization to say that men die sudden deaths and women live longer; however, women do often have longer average life expectancies than men and can require weeks, months, or years of eldercare. Medicare is no substitute for LTC insurance; it only pays for 100 days of nursing home care and only if you get skilled care and enter a nursing home right after a hospital stay of 3 or more days. Long-term care coverage can provide a huge financial relief if and when the need for LTC arises.1,3

Claim Social Security benefits carefully.

If your career and health permit, delaying Social Security is a wise move for single women. If you wait until full retirement age to claim your benefits, you could receive 30-40% larger Social Security payments as a result. For every year you wait to claim Social Security, your monthly payments get about 8% larger.4

Above all, retire with a plan.

Have a financial professional who sees retirement through your eyes help you define it on your terms, with a wealth management approach designed for the long term.[/et_pb_text][et_pb_image _builder_version="3.0.92" src="https://www.meldfinancial.com/wp-content/uploads/logo.png" show_in_lightbox="off" url_new_window="off" use_overlay="off" always_center_on_mobile="on" force_fullwidth="off" show_bottom_space="on" module_class="no-shadow" /][et_pb_text admin_label="Meld Contact Info - Text" _builder_version="3.0.101" background_layout="light"]

Meld Financial, Inc. may be reached at:

205-967-4200

meld@meldfinancial.com

P. O. Box 43626

Birmingham, AL  35243

www.meldfinancial.com

[/et_pb_text][et_pb_text admin_label="Fine Print - Text" _builder_version="3.5.1" text_font_size="10px" custom_css_main_element="font-size:10px important!;"]

Securities offered through Triad Advisors, LLC .  Member FINRA/SIPC.

Advisory services offered through Meld Financial, Inc.

Triad Advisors and Meld Financial are not affiliated.

This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment.Citations.1 - cdc.gov/nchs/products/databriefs/db293.htm [12/21/17]2 - ssa.gov/planners/lifeexpectancy.htm [5/9/18]3 - medicare.gov/coverage/skilled-nursing-facility-care.html [5/8/18]4 - thestreet.com/retirement/how-to-avoid-going-broke-in-retirement-14551119 [4/10/18][/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]


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