Dear Friends and Family,

Katz Family Financial Advisors are delighted to announce that we have expanded to open a new office in Alexandria, Virginia. Our new address is 3307 Duke Street, Alexandria, VA 22304. It will be our pleasure to serve you at our new location, and we will begin having seminars at this convenient location shortly. If you live in the area, we encourage you to stop by and check out the new space.

2009 Tax Reporting Statements: As we announced in prior cover letters, Fidelity Investments received a mailing deadline extension from the Internal Revenue Service. If you haven’t yet received your tax reporting statement, it will be mailed no later than February 28th. This is due to third-party vendors who do not get their information to Fidelity in time. Also, remember that your year-end statements contain the total amount of fees you’ll need if you report them on your tax return. These are available on www.fidelity.com, or you can call us for the amount or a hard copy.

Cash-for-clunkers rebates offered on new appliances: Three dozen states will launch programs in March and April to distribute almost $300 million in rebates to consumers buying energy-efficient appliances. The federally funded programs, similar to the cash-for-clunkers auto rebate program last year, are intended to improve energy efficiency and stimulate the economy.

New Credit Card Protections: Congress enacted legislation that targets the industry’s most controversial practices. Some of the most significant provisions became effective Monday. As consumers, we still need to be vigilant. If you are a credit card user, here are some tips for making the most of the new protections:

• Pay off your balance
• Pay on time
• Keep track of your credit card limits
• Read your mail

Sincerely,

Katz Family Financial