BLBB 2014 Legal Disclosures

Set forth below are the 2014 required legal disclosures for BLB&B Advisors, LLC. If you have any questions or concerns about these disclosures, please do not hesitate to contact your portfolio manager.

 

Proxy Voting Policy

BLB&B Advisors, LLC will not vote proxies for securities held in client accounts. The client maintains authority and responsibility for the voting of proxies

 

 

Job-hopping Can Interfere…

...with your ability to save for retirement.

 

Many years ago, it was fairly common for an employee to start and finish their career with the same employer. Along the way, they usually earned a healthy pension to live off of while in retirement. Now, however, it is far more common for an employee to switch jobs between 10 and 15 times over the course of their career. According to the Bureau of Labor Statistics, a person now changes jobs about 11 times between ages 18 and 44.(http://careerplanning.about.com/b/2014/02/21/how-often-do-people-change-careers.htm)

 

 

Signing Up for Medicare…

...if you are age 65 (or almost there) please do not wait to sign up!

Medicare is the federal government health insurance program for those who are age 65 or older (do not confuse Medicare with Medicaid which is a medical assistance program for those with lower incomes.) Medicare is also available to some younger people with disabilities and/or those who suffer from end-stage renal disease. Medicare consists of four key sections: