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

Hello friends, welcome to the April 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:
Simple questions, simple answers
Can I change my policy's beneficiary without current beneficiary's signature? 
Could a stay-at-home mom purchase life insurance, and on what ground? 
Could a temporary visa holder apply for life insurance in the U.S.? 
What to do if a cash value policy had too much loan? 


Investment Corner:
Are robo-advisers good for you?
Many financial service firms introduced robo-advisers services, but are robo-advisers good for you?  Find our analysis here.
Preferred Stocks 101
Do you know what is a preferred stock?  What are the pros and cons investing in preferred stocks?  What are the relationships between preferred stocks and common stocks and bonds?
  ... These Preferred Stocks 101 blog posts answer these questions.

Retirement Corner:
5 Common Estate Planning Mistakes
Here are five common estate planning mistakes you should not make after reading these couple of blog posts.

Tax Planning Corner:
2 Tax Season Questions
What if I made excessive IRA contributions?
What if I can't file my tax on time?

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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