February 2017 Issue of's Monthly Newsletter
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Help you make wise personal finance decisions

Hello friends, welcome to the February 2017 Monthly Newsletter, a compilation of a some blog posts we have published in the past month.  Our goal is to provide you with information that covers a wide range of personal finance topics, such as insurance, investment, retirement, tax, ..., so you can make wise personal finance decisions! 


Insurance Corner:
Blood Pressure Underwriting Guideline
High blood pressure but otherwise healthy?  This easy to use guideline can show you what class you could get from any carrier of your choice.

Impaired Risk Underwriting Improvement
Cancer, diabetes, Hep C, ...?  People with health risks now could get better underwriting treatments.  Feel free to share this information with your friends who could benefit from such improvements.

Investment Corner:
ETF Videos
What is ETF?  How to pick the right ETFs?  How to position ETFs in your investment portfolio?  Here are some great videos that answer these questions.
Crowdfunding Risks
You can invest like a venture capitalist now, but should you?  Find out the risks.

Retirement Corner:
3 Types of Retirement
What are they, what are the implications?  Find it out.
Post-death IRA Scenarios
What happens to my IRA after I die?  It's not that simple as this graph shows!

Tax Planning Corner:
2017 Tax Reference Guide
Everything you need to know about the 2017 tax rates is here.  Check it out.

All Blog Posts:
If you want to read other blog posts that cover all the different areas of personal finance, follow this link.

For archived newsletters, check out here.

Thank you for your readership!  I hope you could benefit from some of our publications.

If you like our newsletter, please share with your friends.  They can subscribe by dropping a line to or click here.

The Bottom Line
Personal Finance is a broad and complicated topic, and needs lot of knowledge and forward-looking planning.  I hope I can share my knowledge and use my skills to help you make wise PF decisions.

Kaisheng (Kenny) Bao, CFA, MBA
Independent Agent
National Producer Number 16505199
(571) 482-9394

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