Byron Financial LLC

<body bgcolor="#ffffff" text="#000000"> <table style="font-family:Arial, Helvetica, sans-serif;" border="0" cellpadding="0" cellspacing="0" width="609"> <tr> <td width="384" valign="top"> <table cellpadding="3" cellspacing="0" border="0" width="384"> <tr> <td align="left" valign="middle" colspan="3"> <span style="font: 10pt Arial, Helvetica, sans-serif;"> <b><font size=3 color=#800000>Welcome to</font></b> <br> <br>6100 Fairview Rd., Suite 1150 - We have moved suites! <br>Charlotte, NC 28210 <br>Phone: 704-442-4402 <br> <table border="0" cellpadding="0" cellspacing="0"> <tr style="font:10pt Arial, Helvetica, sans-serif; vertical-align:top;"> <td>Email:  </td><td> <a href="mailto:nbrandon@byronfin.com"> nbrandon@byronfin.com</a> <br> </td> </tr> </table> </span> </td> </tr> <tr> <td colspan="4" style="font: 10pt Arial, Helvetica, sans-serif; vertical-align:top;"> <p align="center"><font size="2" face="Arial, helvetica, sans - serif"><img border="0" hspace="0" alt="" src="/files/16602/pichome~001.jpg" /></font></p> <p><strong> <table border="0" cellpadding="3"> <tbody> <tr> <td valign="top" width="33%"> <p><strong><font color="#800000" size="2" face="Arial, helvetica, sans - serif">About Us</font></strong></p> <p align="center"><font color="#000000" size="2" face="Arial, helvetica, sans - serif"><img border="0" hspace="0" alt="" width="113" height="73" src="/files/16602/HP_pict2.jpg" /></font></p> <p><font color="#000000" size="2" face="Arial, helvetica, sans - serif">Our company is built on a solid foundation of excellent client service and in-depth market knowledge.</font></p> <p><font color="#000000"><a href="section1.cfm"><font size="2" face="Arial, helvetica, sans - serif">Click here </font></a><font size="2" face="Arial, helvetica, sans - serif">to learn more about us.</font></font></p> </td> <td valign="top" width="33%"> <p><strong><font color="#800000" size="2" face="Arial, helvetica, sans - serif">Special Topics</font></strong></p> <p align="center"><font size="2" face="Arial, helvetica, sans - serif"><img border="0" hspace="0" alt="" width="113" height="73" src="/files/16602/HP_pict3.jpg" /></font></p> <ul> <li><font size="2" face="Arial, helvetica, sans - serif">Business Succession </font></li> <li><font size="2" face="Arial, helvetica, sans - serif">Executive Benefits </font></li> <li><font size="2" face="Arial, helvetica, sans - serif">Wealth Management</font></li> </ul> </td> <td valign="top" width="33%"> <p><strong><font color="#800000" size="2" face="Arial, helvetica, sans - serif">Become a Client</font></strong></p> <p align="center"><font size="2" face="Arial, helvetica, sans - serif"><img border="0" hspace="0" alt="" width="113" height="73" src="/files/16602/HP_pict4.jpg" /></font></p> <p><font size="2" face="Arial, helvetica, sans - serif">Becoming a client with us is as easy as it is rewarding.</font></p> <p><a href="contact_form.cfm"><font size="2" face="Arial, helvetica, sans - serif">Fill out </font></a><font size="2" face="Arial, helvetica, sans - serif">our Request More Info form and we'll contact you shortly. </font></p> </td> </tr> </tbody> </table> </strong></p> <p align="center"> </p> <p><font size="2" face="Arial, helvetica, sans - serif"><hr color="#800000" /> </font></p> <p style="text-align: center; margin: 0in 0in 0pt" align="center"><st1:street w:st="on"><st1:address w:st="on"><span style="font-family: arial; font-size: 7.5pt">6100 Fairview Road, Suite 1150</span></st1:address></st1:street></p> <p style="text-align: center; margin: 0in 0in 0pt" align="center"><st1:place w:st="on"><st1:city w:st="on"><span style="font-family: arial; font-size: 7.5pt">Charlotte</span></st1:city><span style="font-family: arial; font-size: 7.5pt">, <st1:state w:st="on">NC </st1:state><st1:postalcode w:st="on">28210</st1:postalcode></span></st1:place><br /> <span style="font-family: arial; font-size: 7.5pt">Phone: (704) 442-4402 Fax: (704) 442-4403 Email: nbrandon@byronfin.com</span></p> <p style="text-align: center" align="center"> </p> </td> </tr> </table> <table border="0" cellpadding="0" cellspacing="0" width="384"> <tr><td colspan="2" width="192" height="43" valign="bottom"><img src="/graphics/7/TA3_r4_c1.gif" width="192" height="43" border="0" alt="Calculators"></td><td colspan="2" width="192" height="43" valign="bottom"><img src="/graphics/7/TA3_r4_c4.gif" width="192" height="43" border="0" alt="Newsletters"></td></tr> <tr><td width="14" valign="top" background="/graphics/7/TA3_r5_c1.gif"> </td> <td valign="top" width="178"> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=135" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Roth IRA Conversion</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>This calculator can help you determine whether you should consider converting to a Roth IRA.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=129" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">College Funding</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>Use this calculator to estimate the cost of your child’s education, based on the variables you input.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=695" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Retirement Plan Early Distribution</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>Estimate how much would remain after paying income taxes and penalties if you took an early distribution from a retirement plan.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=126" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Net Worth</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>A balance sheet summarizes your assets and liabilities and reveals your net worth.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=calc_hdr.cfm" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#FF0000">More Calculators>>></font></b></a> </p> </td><td width="14" valign="top" background="/graphics/7/TA3_r5_c4.gif"> </td> <td valign="top" width="178"> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=3588" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Averaging Ups and Downs</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> Stock market volatility was the norm in 2011, and that can be hard on an investor’s nerves. Utilizing a dollar-cost averaging strategy may help even out your portfolio’s ups and downs, as explained in this article. </font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=3491" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">There’s Still Time to Catch Up</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> Worker confidence in affording a comfortable retirement fell to a record low in 2011, but investors aged 50 and older may be able to make up for lost time by maximizing contributions to retirement plans and taking advantage of catch-up contribution limits. The accompanying chart shows the potential difference in accumulation by taking advantage of catch-up contributions.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=2838" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Understanding the Appeal of Mutual Funds for High-Income Households</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> Mutual fund ownership increases directly with household income. In fact, 81% of households with incomes of $200,000 or more own mutual funds. What is it about mutual funds that attracts affluent investors?</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=2932" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">When Key Players Can't Work</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> If a company is a two-owner business or its success relies on a few key players, key-person life or disability insurance could possibly offset the risk that the premature disability or death of a major contributor could ruin its future prospects.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=news_hdr.cfm" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#FF0000">More Newsletters>>></font></b></a> </p> </td></tr> </table> </td> <td width="225" valign="top"> <div class="flashBrandingElement" style="margin:3px 0 12px 4px;"> <object classid="clsid:d27cdb6e-ae6d-11cf-96b8-444553540000" width="215" height="130"> <param name="movie" value="http://www.emeraldhost.net/files/movies/classic-b.swf" /> <param name="quality" value="high" /> <param name="wmode" value="transparent" /> <param name="allowscriptaccess" value="always" /> <embed src="http://www.emeraldhost.net/files/movies/classic-b.swf" wmode="transparent" quality="high" width="215" height="130" allowscriptaccess="always" /> </object> </div> <table border="0" cellpadding="0" cellspacing="0" width="225"> <tr> <td colspan="2" width="225" height="32" valign="bottom"> <img src="/graphics/7/TA3_r1_c6.gif" width="225" height="32" border="0" alt="Market Watch"></td> </tr> <tr> <td width="14" background="/graphics/7/TA3_r2_c6.gif"> </td> <td valign="top" width="211"> <font face="Arial, Helvetica, sans-serif" size="1"> <b>May 19, 2012 @ 11:32 PM</b><br><br></font> <table border="0" cellpadding="1" cellspacing="0" width="200"> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$INDU" target="mondo"><strong>Dow Jones Industrials</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>12,369.38</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 73.11</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$COMPQ" target="mondo"><strong>Nasdaq Composite</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong> 2,778.79</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 34.90</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$SPX" target="mondo"><strong>S&P 500</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong> 1,295.22</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 9.64</strong></font></td></tr> <tr><form action="http://www.emerald.idmanagedsolutions.com/stocks/quote?symbol=" method="get" target="mondo"> <td align="center" colspan="3"><br><input type="text" size="6" maxlength="6" name="s" value=""> <input type=submit value="Get Quote"></td></form></tr><tr><td colspan="3" align="center"><font face="Arial, Helvetica, sans-serif" size="-2"> <br>[ <a style="text-decoration:none; color: #000000" href="markets.cfm" target="mondo"><font color="#000000">Markets</font></a> | <a style="text-decoration:none; color: #000000" href="charts.cfm" target="mondo"><font color="#000000">Charts</font></a> | <a style="text-decoration:none; color: #000000" href="quotes.cfm" target="mondo"><font color="#000000">Quotes</font></a> | <a style="text-decoration:none; color: #000000" href="portfolio.cfm" target="mondo"><font color="#000000">Portfolio</font></a> ]</font></td> </tr><tr><td colspan="3" align="center"><font face="Arial, Helvetica, sans-serif" style="font-size:7pt;"><br>Market data delayed per exchange rules. <br>All quotes are in US Eastern Time (EST). <br>© Interactive Data Managed Solutions (NYSE:IDC) All rights reserved.</font></td> </tr></table> </td> </tr> <tr> <td colspan="2" width="192" height="43"><img src="/graphics/7/TA3_r4_c6.gif" width="225" height="43" border="0"></td> </tr><tr> <td rowspan="13" width="14" valign="top" background="/graphics/7/TA3_r5_c6.gif"> </td> <td width="211"><a href="index.cfm?type=R&source=research_hdr.cfm" target="_top"> <img src="/graphics/7/TA3_r5_c7.gif" width="211" height="52" border="0" alt="Articles"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1">Educate yourself on a variety of <br> financial topics.</font></td> </tr><tr> <td width="211"><a href="index.cfm?type=C&source=calc_hdr.cfm" target="_top"> <img src="/graphics/7/TA3_r7_c7.gif" width="211" height="56" border="0" alt="Calculators"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1">A host of financial tools to assist<br>you.</font></td> </tr><tr> <td width="211"><a href="index.cfm?type=N&source=news_hdr.cfm" target="_top"> <img src="/graphics/7/TA3_r9_c7.gif" width="211" height="56" border="0" alt="Newsletters"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1"> Timely Newsletters to help you<br>stay current.</font></td> </tr> <tr> <td width="211"> <a href="glossary.cfm" target="mondo"> <img src="/graphics/7/TA3_r11_c7.gif" width="211" height="56" border="0" alt="Glossary"></a></td> </tr> <tr> <td valign="top" width="211"> <font size="1" face="Arial, Helvetica, sans-serif"> Financial terms from A to Z. </font> </td> </tr> <tr> <td width="211"><img name="Leftnavmain_r13_c7" src="/graphics/7/TA3_r13_c7.gif" width="211" height="14" border="0"></td> </tr> </table> </td> </tr> </table></div></body></html>