The Ibach Team Financial Planners

<body bgcolor="#ffffff" text="#000000"> <table style="font-family:Arial, Helvetica, sans-serif;" border="0" cellpadding="0" cellspacing="0" width="609"> <tr> <td width="384" valign="top"> <table cellpadding="3" cellspacing="0" border="0" width="384"> <tr> <td align="center" width="1%" valign="middle"> <img src="/files/8836/MetLifeBlimp.gif" alt="The Ibach Team Financial Planners" height="155" width="108" border="0"> </td> <td> <img src="/graphics/spacer.gif" WIDTH="10" HEIGHT="1" border="0"></td> <td align="left" valign="middle" width="99%"> <span style="font: 13.5pt bold Arial, Helvetica, sans-serif;"> The Ibach Team, Globus Agency, VA<br> an Office of MetLife </span> <br> <span style="font: 10pt Arial, Helvetica, sans-serif;"> <b>James S. Ibach <br>Financial Planner<br>Financial Services Representative<br><Special Needs Planner><br>Maryanne T. Ibach <br>Financial Services Representative<br>Financial Planner<br><p> James R. Ibach<br>Financial Services Representative<br>CA Insurance Lic# 0E16694<br></p></b> <br> <br>7600 Leesburg Pike West Building, Suite 201 <br>Falls Church, VA 22043 <br>Phone: 703-336-1232 <br>FAX: 703-821-5410 <br> <table border="0" cellpadding="0" cellspacing="0"> <tr style="font:10pt Arial, Helvetica, sans-serif; vertical-align:top;"> <td>Email:  </td><td> <a href="mailto:jibach@metlife.com"> jibach@metlife.com</a> <br> </td> </tr> </table> </span> </td> </tr> <tr> <td colspan="4" style="font: 10pt Arial, Helvetica, sans-serif; vertical-align:top;"> <span style="font-size:9pt;"><p><br /> Welcome! <br /> <br /> What, exactly, is “financial planning?” There is no right or wrong answer. Each person has his or her own definition. But, we can tell you that we consider “financial planning” to be more than spreadsheets and time tables.<br /> <br /> As financial planners, our goal is to help you make informed decisions about issues that affect your financial well-being so you can achieve financial freedom.<br /> <br /> We will work with you to help you determine what’s important to you in your life. Together, we’ll create a road map to take you where you want to be. You can count on us to be your guide and most trusted advisors.<br /> </p> <p> </p> <p> </p> <p> </p> <p> </p> <div v:shape="_x0000_s1026"> <div><font face="Comic Sans MS">*Not all representatives are licensed to offer financial planning services. Please contact the agency for more information. </font></div> </div></span> <br><br> <font face="Arial, Helvetica, sans-serif" size="-2"> We have representatives in this office licensed and registered to offer products and services in [DC, VA]. Licenses and registrations will vary by representative and some representatives may be licensed and registered in additional states. Please contact this office for further information. </font> <br><br><div align="center"><font face="Arial, Helvetica, sans-serif" size="-2">L0510106729[exp0711][All States][DC]</font></div> </td> </tr> </table> <table border="0" cellpadding="0" cellspacing="0" width="384"> <tr><td colspan="2" width="192" height="43" valign="bottom"><img src="/graphics/Z/TA13_r4_c1.gif" width="192" height="43" border="0" alt="Calculators"></td><td colspan="2" width="192" height="43" valign="bottom"><img src="/graphics/Z/TA13_r4_c4.gif" width="192" height="43" border="0" alt="Newsletters"></td></tr> <tr><td width="14" valign="top" background="/graphics/Z/TA13_r5_c1.gif"> </td> <td valign="top" width="178"> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=129" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">College Funding</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>Use this calculator to estimate the cost of your child’s education, based on the variables you input.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=130" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Savings Goals</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>How much do you need to save each year to meet your long-term financial goals?</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=135" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Roth IRA Conversion</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>This calculator can help you determine whether you should consider converting to a Roth IRA.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=137" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Impact of Inflation</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>Estimate the future cost of an item based on today’s prices and the rate of inflation you expect.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=calc_hdr.cfm" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#FF0000">More Calculators>>></font></b></a> </p> </td><td width="14" valign="top" background="/graphics/Z/TA13_r5_c4.gif"> </td> <td valign="top" width="178"> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1870" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Getting the Right Mix</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> Asset allocation is the process of dividing investment dollars among asset classes that often behave differently in different market cycles. </font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1971" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Patching the Alternative Minimum Tax</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> The future of the AMT is uncertain, yet it is important to consider the possible effects of the AMT on your tax situation. </font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=2017" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Quick Facts - February 2010</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> Information about Retirement, Long Term Care and the Mature Markets</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=2028" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Working for Social Security</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> There's nothing wrong with wanting to work in retirement, but if you decide to earn some extra income, make sure you understand how it will affect your Social Security benefits.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=news_hdr.cfm" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#FF0000">More Newsletters>>></font></b></a> </p> </td></tr> </table> </td> <td width="225" valign="top"> <div class="flashBrandingElement" style="margin:3px 0 12px 4px;"> <script type="text/javascript"> AC_FL_RunContent('codebase','http://download.macromedia.com/pub/shockwave/cabs/flash/swflash.cab#version=7,0,19,0','width','215','height','130','src','/files/movies/priceless-b','movie','/files/movies/priceless-b','quality','high','wmode','transparent','pluginspage','http://www.macromedia.com/go/getflashplayer'); </script> <noscript> <object classid="clsid:d27cdb6e-ae6d-11cf-96b8-444553540000" width="215" height="130"> <param name="movie" value="/files/movies/priceless-b.swf" /> <param name="quality" value="high" /> <param name="wmode" value="transparent" /> <embed src="/files/movies/priceless-b.swf" wmode="transparent" quality="high" width="215" height="130" /> </object> </noscript> </div> <a href="index.cfm?type=Q&source=quote_forms.cfm" target="_top"><img src="/graphics/Get-Quote-tab3.jpg" height="100" width="225" border="0"></a> <table border="0" cellpadding="0" cellspacing="0" width="225"> <tr> <td colspan="2" width="225" height="32" valign="bottom"> <img src="/graphics/Z/TA13_r1_c6.gif" width="225" height="32" border="0" alt="Market Watch"></td> </tr> <tr> <td width="14" background="/graphics/Z/TA13_r2_c6.gif"> </td> <td valign="top" width="211"> <font face="Arial, Helvetica, sans-serif" size="1"> <b>September 10, 2010 @ 10:14 AM</b><br><br></font> <table border="0" cellpadding="1" cellspacing="0" width="200"> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$COMPQ" target="mondo" onclick="javascript:open_window('met_market_disclaimer.cfm','420','340')"><strong>Nasdaq Composite</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong> 2,241.69</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 5.49</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$SPX" target="mondo" onclick="javascript:open_window('met_market_disclaimer.cfm','420','340')"><strong>S&P 500</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong> 1,109.25</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 5.07</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$MID" target="mondo" onclick="javascript:open_window('met_market_disclaimer.cfm','420','340')"><strong>S&P Mid-Cap 400</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong> 764.22</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 2.71</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$SML" target="mondo" onclick="javascript:open_window('met_market_disclaimer.cfm','420','340')"><strong>S&P Small-Cap 600</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong> 340.73</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 1.80</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$RUT" target="mondo" onclick="javascript:open_window('met_market_disclaimer.cfm','420','340')"><strong>Russell 2000</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong> 638.17</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 3.55</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$TNX" target="mondo" onclick="javascript:open_window('met_market_disclaimer.cfm','420','340')"><strong>10 Year Treasury Note</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong> 2.62</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 0.05</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=MET" target="mondo" onclick="javascript:open_window('met_market_disclaimer.cfm','420','340')"><strong>MetLife</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong> 40.38</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 0.48</strong></font></td></tr> <tr><form action="http://partners.marketcenter.com/fiserv/quotes/quote.action?symbol=" method="get" target="mondo"> <td align="center" colspan="3"><br><input type="text" size="6" maxlength="6" name="s" value=""> <input type=submit value="Get Quote"></td></form></tr><tr><td colspan="3" align="center"><font face="Arial, Helvetica, sans-serif" size="-2"> <br>[ <a style="text-decoration:none; color: #000000" href="markets.cfm" target="mondo" onclick="javascript:open_window('met_market_disclaimer.cfm','420','340')"><font color="#000000">Markets</font></a> | <a style="text-decoration:none; 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Securities products offered by MetLife Securities, Inc. (MSI), Member <a href="http://www.finra.org" target="_blank">FINRA</a>/<a href="http://www.sipc.org" target="_blank">SIPC</a>. Investment advisory services offered by Investment Adviser Representatives of MSI, a Registered Investment Adviser. MetLife Auto & Home is a brand of Metropolitan Property and Casualty Insurance Company and its affiliates: Economy Fire & Casualty Company, Economy Preferred Insurance Company, Metropolitan Casualty Insurance Company, Metropolitan Direct Property and Casualty Insurance Company (CA Certificate of Authority: 6730; Warwick, RI), Metropolitan General Insurance Company, Metropolitan Group Property and Casualty Insurance Company (CA COA: 6393; Warwick, RI), and Metropolitan Lloyds Insurance Company of Texas, all with administrative home offices in Warwick, RI. Coverage, rates, and discounts are available in most states to those who qualify. All companies listed above are MetLife companies. </font></div> </td></tr></table></div></body></html>