With recent increases in fuel and food prices, we are all trying to make the most of our money. And, to help you manage your money, we offer these resources. Perhaps you are looking to:

• Save money
• Get out of debt
• Review your credit report
• Buy a home
• Or plan for your financial future

We are here to help! Through BALANCE™, a free and confidential financial counseling program, you’ll find helpful tools like a Debt Management Plan guideline, charts to help you understand spending and savings, and educational material regarding credit reports. Call BALANCE at 888-456-2227 today to speak with a financial counselor. Click here to visit the website.

Another good resource for money management is Money Management International (MMI). MMI provides:

• professional financial guidance,
• credit counseling,
• community-wide educational programs,
• debt management assistance,
• bankruptcy counseling and education services, and
• housing counseling assistance.

Click here to visit the website.

American Consumer Credit Counseling (ACCC) is another good resource. They offer confidential credit counseling and financial education services to consumers nationwide. ACCC is dedicated to helping people regain control of their finances and plan for a debt-free future. ACCC works with consumers to establish a realistic plan to help them reduce their debt and regain financial stability. Click here to visit the website.

Concerned about your Investments?
We also offer many services to help you reach your financial goals, including online investing and personal money management. Our Investment Advisor will work with you to create a personal financial blueprint you can follow to help achieve your financial objectives.

Whatever your financial circumstances, there are many options available. Contact one of the above resources for additional guidance, or give us a call at 858-547-7400.

For Your Information
In today’s age of information fraud and identity theft, it is important to check your credit report annually. It is also important to review your credit report before making a major purchase so you can have any errors corrected before it slows down your credit approval or prevents you from getting the best possible loan terms.

Good news! As of December 1, 2004, residents of California are entitled to order one free credit report per year. The simplest way to get your free credit report is to visit this website (www.annualcreditreport.com), which will allow you to view your credit report online immediately. Upon viewing your credit report, you may also dispute items online to work toward a very quick resolution.