Market Watch

May 22, 2012 @ 07:29 AM

Dow Jones Industrials 12,504.48+ 135.10
Nasdaq Composite 2,847.21+ 68.42
S&P 500 1,315.99+ 20.77
Wilshire 5000 13,754.59+ 240.41

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Emil Babayans, CFP®, CLU, ChFC

Emil Babayans and his associates have been providing a range of financial products and services since 1985 to help enhance, protect and preserve the assets of our clients. 

As a financial professional with AXA Advisors, LLC, I am dedicated to helping individuals and businesses build their financial futures.

To stay on top of my field and develop my professional skills, I regularly attend industry training and certification programs.  This includes completing the curriculum and passing the exams for the:

  • CERTIFIED FINANCIAL PLANNERTM professional
  • Chartered Life Underwrite (CLU) *
  • Chartered Financial Consultant (ChFC) *

I attended the University of Southern California for both my Bachelors and Masters Degrees.

My education, experience and professional affiliations have fostered my practical approach to offering financial products and planning services to my clients.  Rather than just recommending a combination of unrelated products, first I'll consider your specific financial goals and investment objectives.  Working together, we'll formulate a strategy to help you address your goals.  Then, if it is suitable, as a registered representative of AXA Advisors, LLC and an insurance agent of AXA Network, LLC, I can recommend the appropriate products and services to help you execute your strategy.

 *ChFC and CLU are professional designations of The American College, Bryn Mawr, PA

CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP (with flame logo)® are certification marks owned by the Certified Financial Planner Board of Standards, Inc. These marks are awarded to individuals who successfully complete the CFP Board’s initial and ongoing certification requirements. 

Newsletters

Leaving Your Home Out of the Retirement Equation

Plummeting home prices and increased borrowing cut U.S. home equity by more than 60% during the Great Recession — and housing prices have not yet recovered. This article considers the potential drawbacks of depending on home equity to help fund retirement.

Another Year, Another AMT Patch

The 2010 Tax Relief Act adjusted AMT exemption levels for 2010 and 2011 to help prevent an estimated 21 million middle-income taxpayers from being subject to the alternative minimum tax. Will Congress enact another patch for 2012?

Be Ready for a Change in Interest Rates

Fluctuating interest rates can be challenging for bond investors who want to reinvest their principal. When rates are low, they may have to accept lower yields; when rates rise when principal is tied up, they may not be able to benefit. One strategy to help manage reinvestment risk is to build a bond ladder.

The Financial State of the States

Many state and local governments have struggled with lower tax receipts and large budget deficits — during and after the recession. This article offers a closer look at the financial pressures facing the states and how the methods used to address budget shortfalls could ultimately serve as a drag on the national economy.

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