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=133" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Tax-Deferred Savings</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>Compare the potential future value of tax-deferred investments to that of taxable investments.</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=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=1972" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Tips for Healthy Life Insurance</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> If you are about to retire or have recently entered retirement, it's a good time to consider whether your current life insurance policy meets your needs.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=2026" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Pursuing Both Growth and Value</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> Maintaining a balance of growth and value investments may help investors add a new dimension of diversification to their portfolios.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=2029" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">A Simple Way to Help Your Family</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> A letter of instructions, while not a legal document, can help your family cope during a difficult period by providing information that has no place in a will.</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 06, 2010 @ 10:00 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=$COMPQ" target="mondo" onclick="javascript:open_window('met_market_disclaimer.cfm','420','340')"><strong>Nasdaq Composite</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong> 2,233.75</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 33.74</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$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> 1,104.51</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 14.41</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=$MID" target="mondo" onclick="javascript:open_window('met_market_disclaimer.cfm','420','340')"><strong>S&P Mid-Cap 400</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong> 766.52</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 10.72</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$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> 343.82</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 5.74</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=$RUT" target="mondo" onclick="javascript:open_window('met_market_disclaimer.cfm','420','340')"><strong>Russell 2000</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong> 643.36</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 11.10</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$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="#008000"> <strong> 41.46</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 1.33</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; color: #000000" href="charts.cfm" target="mondo" onclick="javascript:open_window('met_market_disclaimer.cfm','420','340')"><font color="#000000">Charts</font></a> | <a style="text-decoration:none; color: #000000" href="quotes.cfm" target="mondo" onclick="javascript:open_window('met_market_disclaimer.cfm','420','340')"><font color="#000000">Quotes</font></a> | <a style="text-decoration:none; color: #000000" href="portfolio.cfm" target="mondo" onclick="javascript:open_window('met_market_disclaimer.cfm','420','340')"><font color="#000000">Portfolio</font></a> ]</font></td> </tr><tr><td colspan="3" align="center"><font face="Arial, Helvetica, sans-serif" style="font-size:7pt;"><br>Market data delayed per exchange rules. <br>All quotes are in US Eastern Time (EST). <br>© eSignal. A division of  <br>Interactive Data Corporation. (NYSE:IDC)  <br>All rights reserved.</font></td> </tr></table> </td> </tr> <tr> <td colspan="2" width="192" height="43"><img src="/graphics/Z/TA13_r4_c6.gif" width="225" height="43" border="0"></td> </tr><tr> <td rowspan="13" width="14" valign="top" background="/graphics/Z/TA13_r5_c6.gif"> </td> <td width="211"><a href="index.cfm?type=R&source=research_hdr.cfm" target="_top"> <img src="/graphics/Z/TA13_r5_c7.gif" width="211" height="52" border="0" alt="Articles"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1">Educate yourself on a variety of <br> financial topics.</font></td> </tr><tr> <td width="211"><a href="index.cfm?type=C&source=calc_hdr.cfm" target="_top"> <img src="/graphics/Z/TA13_r7_c7.gif" width="211" height="56" border="0" alt="Calculators"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1">A host of financial tools to assist<br>you.</font></td> </tr><tr> <td width="211"><a href="index.cfm?type=N&source=news_hdr.cfm" target="_top"> <img src="/graphics/Z/TA13_r9_c7.gif" width="211" height="56" border="0" alt="Newsletters"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1"> Timely Newsletters to help you<br>stay current.</font></td> </tr><tr> <td width="211"><a href="index.cfm?type=E&source=eseminar_hdr.cfm" target="_top"> <img src="/graphics/Z/TA13_Eseminar_home.gif" width="211" height="56" border="0" alt="E-Seminars"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1"> Animated presentations to help you learn and decide.</font></td> </tr> <tr> <td width="211"> <a href="glossary.cfm" target="mondo"> <img src="/graphics/Z/TA13_r11_c7.gif" width="211" height="56" border="0" alt="Glossary"></a></td> </tr> <tr> <td valign="top" width="211"> <font size="1" face="Arial, Helvetica, sans-serif"> Financial terms from A to Z. </font> </td> </tr> <tr> <td width="211"><img name="Leftnavmain_r13_c7" src="/graphics/Z/TA13_r13_c7.gif" width="211" height="14" border="0"></td> </tr> </table> </td> </tr> <tr><td colspan="3"><br> <div align="center"><font face="Arial, Helvetica, sans-serif" size="1"> Metropolitan Life Insurance Company (MLIC), New York, NY 10166. 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>