Dear Friends and Family,

Welcome to fall! The financial landscape continues to shift. The Dodd-Frank Act now permanently increases SIPC and FDIC insurance coverage to $250,000 per account type.

Fidelity now has additional SIPC coverage through Lloyds of London—up to $1 billion aggregate, with $1.9 million limit on cash. This does not protect against market losses.

New Credit Card Rules:

As part of the CARD Act, banks face new rules limiting fees. Some have responded by raising interest rates. The average is now 14.7%, the highest in 9 years. We suggest paying off your balances monthly. Call us to talk budgeting or financial planning.

Reminders:

• RMD deadline is Dec. 31, 2010. Contact us for paperwork if you haven’t yet completed yours.
• To stop telemarketing calls to your cell, call 888-382-1222 or visit www.donotcall.gov.

Press Release: Katz Family Financial Advisors received the 2010 Best of Bethesda Award from USCA for excellence in local business.

Name Change Alert: Claymore Securities is now Guggenheim Funds Distributors, Inc. This may appear on your statements.

Sincerely,

Katz Family Financial