are to to choices, You You are going to have to make somesome choices, You are going going to have have to make make some choices, but you don’t have to make them alone. but you have to make them alone. but don’t yougoing don’t have make them alone. You are to have totomake some choices,
Changing can be but we are with you every stepway. of the the way. way. but you don’t alone. Changing canjobs be difficult buttowemake are you every of the Changing jobs jobs canhave be difficult difficult but with wethem are with youstep every step of
You are goingdifficult to have to make some choices, Changing jobs can bePlans but we are with you every step of the way. Retirement Retirement Plans Retirement Plans but you don’t have to make them alone. Life/Disability Life/Disability Insurance Retirement Plans Insurance Life/Disability Insurance You are going to have Changing jobs can be difficult but weto aremake with you some every stepchoices, of the way. Life/Disability Insurance Investment Strategies Investment Strategies Investment Strategies
www.sdjewishjournal.com January 2017 • Tevet/Shevat 5777
•Investment Strategies but you don’t Retirement Plans have to make them alone.
• Life/Disability Insurance Changing jobs can be difficult but we are with you every step of the way. • Investment Strategies Retirement Plans Life/Disability Insurance Investment Strategies
jeffrey.liber@wfadvisors.com
EDITOR-IN-CHIEF • Natalie Jacobs CREATIVE DIRECTOR • Derek Berghaus ASSISTANT EDITOR • Brie Stimson ARTS & ENTERTAINMENT EDITOR • Eileen Sondak OFFICE MANAGER • Ronnie Weisberg
CONTRIBUTING WRITERS 12531 High Bluff Drive, STE 400 12531 High Bluff Drive, STE 400 San Diego, 92130 12531 High Bluff Drive, 400 12531 12531 HHigh H igh igh BBluff Bluff luff Drive, DCA D rive, rive, Sigh TE SSTE TE 4B 400 00 12531 STE 400 Tori Avey, Betsy Baranov, Linda Bennett, Eva Beim, Judith Fein 12531 H luff D rive, S TE 4 00 12531 High Bluff Drive, STE 400 San Diego, CA 92130 858-523-7904 San San D Diego, iego, CCA CA A 992130 92130 2130 San Diego, CA 92130 San Diego, San Diego, CA 92130 858-523-7904 San Diego, CDrive, A 92130 (Senior Travel Correspondent), Michael Fox, Pat Launer, Sharon 12531 High www.liberlincolnwmg.com 12531 High Bluff Drive, STE 400 Bluff STE 400 858-532-7904 858-532-7904 858-‐ 5 23-‐ 7 904 858-532-7904 858-‐ 523-‐7904 858-523-7904 www.liberlincolnwmg.com 858-523-7904 858-‐523-‐7904
San Diego,San CA Diego, 92130 CA 92130 www.liberlincolnwmg.com
Jeffrey R Liber, CFP® Jeffrey Managing R Liber, CFP® Investments Jeffrey Jeffrey RR L iber, LDirectoriber, CFP® CFP® Jeffrey R DirectorLiber, CFP® Managing Investments CA Insurance Lic #0C28496 Managing Managing DD irector-‐ irector-‐ Investments Investments Managing Director- Investments jeffrey.liber@wfadvisors.com CA Insurance Lic #0C28496 CA Insurance ic #0C28496 CA Insurance Lic L#0C28496 Insurance Lic #0C28496 R jeffrey.liber@wfadvisors.com CA jeffrey.liber@wfadvisors.com jeffrey.liber@wfadvisors.com Jeffrey Liber, CFP® Jeffrey R Liber, CFP® Jeffrey R Liber, CFP®
PUBLISHERS • Mark Edelstein and Dr. Mark Moss
Don Lincoln, CFP®, CIMA® www.liberlincolnwmg.com Don Senior Vice PresidentInvestments Don Don LLincoln, incoln, Lincoln, CCFP®, C FP®, FP®, CIMA® CCIMA® IMA® 12531 High Bluff Drive, STE 400 Don Lincoln, CFP®, CIMA® Senior Vice PresidentCA Insurance Lic #0821851 Senior Senior VV ice ice President-‐ President-‐ Investments IInvestments nvestments San Diego, CA 92130 Senior Vice LPresidentInvestments don.lincoln@wfadvisors.com CA Insurance Lic ##0821851 0821851 CA IInsurance nsurance ic #0821851 CA Lic 858-523-7904 CA Insurance Lic #0821851 don.lincoln@wfadvisors.com don.lincoln@wfadvisors.com 12531Don High Bluff Drive, STECIMA® 400 don.lincoln@wfadvisors.com Don Lincoln, CFP®, CIMA® Lincoln, CFP®,
858-523-7904 858-523-7904
Rosen Leib, Andrea Simantov, Jon Schwartz, Marnie McCauley, Marta Fuchs, Rabbi Yael Ridberg, Rabbi Jacob Rupp
www.liberlincolnwmg.com don.lincoln@wfadvisors.com
ADVERTISING REPRESENTATIVES
San Diego, 92130 Katelyn Barr, Alan Moss (Palm Springs) Managing Managing Director- Investments Senior ViceSenior PresidentInvestments DirectorViceCAPresidentDirector-Investments Investments Investments Yesenia Gil Gina Grimmer Managing 858-523-7904 Jeffrey R addell LRaddell iber, CCFP® FP® Don Lincoln, CLic FP®, CIMA® CA Insurance Lic #0821851 CA Insurance Lic #0C28496 CA Insurance Lic #0C28496 CA Insurance CA Insurance Lic #0C28496 #0821851 Client Associate Gina Gina G G rimmer rimmer Registered Client Associate Alissa Alissa W W Jeffrey Liber, Don Lincoln, CFP®, CIMA® Yesenia Gil Gina Grimmer Registered Registered CVice C lient lient AA ssociate ssociate Director-‐ Investments Senior Vice PInvestments resident-‐ Investments Yesenia Fluent in Gil Spanish jeffrey.liber@wfadvisors.com don.lincoln@wfadvisors.com AVP AVP -‐ R -‐ R egistered egistered CC lient lient AA ssociate ssociate CA insurance Lic #O178195 Gina Grimmer jeffrey.liber@wfadvisors.com don.lincoln@wfadvisors.com Managing Managing DirectorInvestments Senior Presidentjeffrey.liber@wfadvisors.com Client Associate Client Associate Registered SAN DIEGO JEWISH JOURNAL CA CA insurance iCA nsurance Lic Lic #I0178195 #nsurance 0178195 yesenia.gil@wfadvisors.com CA iInsurance nsurance LLic ic ###0C28496 0I18483 CA insurance LLic #0I18483 eugenia.grimmer@wfadvisors.com Client Associate Registered Associate Insurance Lic #0821851 CA ICA nsurance ic 0C28496 CA Jeffrey RClient Liber, CFP® Don Lincoln, CFP®, CIMA® Lic #0821851 Fluent in Spanish CA insurance Lic #O178195 Eugenia.grimmer@wfadvisors.com eugenia.grimmer@wfadvisors.com CAalissa.waddell@wfadvisors.com alissa.waddell@wfadvisors.com Fluent in Spanish insurance Lic #0178195 jeffrey.liber@wfadvisors.com don.lincoln@wfadvisors.com (858) 638-9818 • fax: (858) 638-9801 Managing DirectorInvestments Senior Vice President- Investments yesenia.gil@wfadvisors.com eugenia.grimmer@wfadvisors.com jeffrey.liber@wfadvisors.com don.lincoln@wfadvisors.com yesenia.gil@wfadvisors.com eugenia.grimmer@wfadvisors.com CA Insurance Lic #0C28496 CA Insurance Lic #0821851 Yesenia GilYesenia Gina Grimmer Gina 5665 Oberlin Drive, Suite 204 • San Diego, CA 92121 Gil Grimmer Gina Grimmer jeffrey.liber@wfadvisors.com don.lincoln@wfadvisors.com Client Associate Registered Client Associate Client Associate Registered Client Registered ClientAssociate Associate Investment Investment and andInsurance Insurance Products: Products offered !NOT FDIC through Insured affiliates: !NO!NOT Bank Guarantee FDIC Insured !MAY !NO Lose Bank Value Guarantee Yesenia Gil Gina Grimmer !MAY Lose Value Fluent in Associate Spanish CA insurance Lic #0178195 Fluent in Spanish& Gina G rimmer CA insurance Lic #0178195 CA insurance LicAssociate #0178195 Client Registered Client @JeffreyLiberWFA @DonLincolnWFA Wells Fargo Advisors, LLC, Member SIPC, is aNOT registered broker-dealer a separate non-bank affiliate of Wells Investment and Insurance Products: FDIC Insured and NO Bank Guarantee MAY Lose Fargo Value EDITORIAL: editor@sdjewishjournal.com Fluent inInsured Spanish Wells Fargo Advisors, LLC, SIPC,offered is a registered broker-dealer and ayesenia.gil@wfadvisors.com separate non-bank affiliateNO of Wells Fargo & Company. Company. Yesenia Gil CA insurance Lic Member #O178195 and Insurance through affiliates: NOT FDIC Bank Guarantee eugenia.grimmer@wfadvisors.com Gina Grimmer yesenia.gil@wfadvisors.com eugenia.grimmer@wfadvisors.com Registered Client AProducts ssociate eugenia.grimmer@wfadvisors.com Investment ©2009 Wells FargoAdvisors, Advisors,LLC. LLC.All Allrights rightsreserved. reserved.88580 88580–v1 –v1-0312-2590 -0312-2590(e7460) (e7460) ©2009 Wells Fargo MAY Lose Value Wellseugenia.grimmer@wfadvisors.com Fargo Advisors is a Associate trade name used by Wells Fargo Clearing Services, LLC, Member FINRA/SIPC Client Associate yesenia.gil@wfadvisors.com Registered Client ADVERTISING: marke@sdjewishjournal.com Investment and Insurance Products: NOT FDIC Insured NO Bank Guarantee MAY Lose Value CA i nsurance L ic # O178195 (c) 2016 Wells Fargo Clearing Services, LLC All Rights reserved 1016-02995 Fluent inLLC, Spanish CA Advisors insuranceisLic #0178195 Fargo a trade name used by Wells Fargo Clearing Services, Member Jeffrey FINRA/SIPC Liber Don Lincoln CIRCULATION & SUBSCRIPTIONS: ronniew@sdjewishjournal.com Wells Wells eugenia.grimmer@wfadvisors.com Fargo Advisors a trade Services, name used byAll Wells Fargo Clearing Services, LLC, Member FINRA/SIPC yesenia.gil@wfadvisors.com (c) 2016 Wells Fargois Clearing LLC Rights reserved 1016-02995 eugenia.grimmer@wfadvisors.com (c) 2016 Wells Fargo Clearing Services, LLC All Rights reserved 1016-02995 ART DEPARTMENT: art@sdjewishjournal.com
Investment and Insurance Products: !NOT FDIC Insured !NO Bank Guarantee !MAY Lose Value InvestmentInvestment and Insurance offered through affiliates: FDICNOT Insured NO Bank Guarantee Investment andProducts Insurance Products offered throughNOT affiliates: NO Bank Guarantee and Insurance Products offered through affiliates: FDIC Insured Guarantee MAY LoseMAY Value Lose MAY LoseValue Value Wells Fargo Advisors, LLC, Member SIPC, is a registered broker-dealer and a separate non-bank affiliate of Wells Fargo & Investment and Insurance Products offered through affiliates: NOT FDIC Insured NO Bank Guarantee Investment Insurance Products: NOT FDIC Insured NO Bank Guarantee MAY Lose Value Company. Wells Fargo Advisors is Advisors aAdvisors trade used name by Wells Fargo Clearing Services, LLC, Member FINRA/SIPCFINRA/SIPC MAY Lose Value name Wells Fargo isaatrade trade used by Wells Wells Fargo Clearing Wells Fargo is by Fargo Clearing Services, ©2009 Wells Fargo Advisors, LLC. Allname rightsused reserved. 88580 –v1 -0312-2590 (e7460) LLC, Member FINRA/SIPC ) 2016 Wells Fargo Clearing Services, LLC Allused Rights reserved 1016-02995 (c)2016 2016Fargo Wells Fargo Clearing Services, LLC AllFargo Rights reserved Wells Advisors is a trade name by Wells Clearing Services, LLC, Member FINRA/SIPC (c) Wells Fargo Clearing Services, LLC All Rights reserved 1016-02995
Wells Fargo Advisors is a tradeServices, name used byAll Wells Fargo Clearing Services, LLC, Member FINRA/SIPC (c) 2016 Wells Fargo Clearing LLC Rights reserved 1016-02995 (c) 2016 Wells Fargo Clearing Services, LLC All Rights reserved 1016-02995
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