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Higgins Capital Management, Inc.

Have You Checked Your Retirement Plan Lately?

It's generally a good idea to review your employer-sponsored retirement savings plan.

Once a year is prudent as well as when major life changes occur. If you haven't given your plan a thorough review within the last 12 months, now may be a good time to do so.

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Since your last retirement plan review, have you experienced any major life changes?

For example, did you get married or divorced, buy or sell a house, have a baby, or send a child to college?

In addition, your annual review is a good time to examine beneficiary designations. This is particularly true if your marital situation has changed.

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The information contained in this Higgins Capital communication is provided for information purposes and is not a solicitation or offer to buy or sell any securities or related financial instruments in any jurisdiction. Past performance does not guarantee future results.

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Ray Higgins San Diego