We here at Caufield & Flood feel that an informed client is our best customer. We know that it may be difficult to keep track of the growing volume of complex, new developments that can be overwhelming even to a knowledgeable client.  For your convenience, we have included some recent developments for you to view.       Monthly Newsletter

Prepare Financially for a Possible Job Loss Fresh reports of layoffs abound, and the unemployment rate continues to climb. It?s now over 10% in quite a few states, and the national rate could be there before long.   Borrowing from Your 401(k) Plan Individuals who participate in a 401(k) plan sometimes borrow from their plan.   Working May Decrease Your Social Security Benefits Many taxpayers currently underemployed due to recent economic conditions may consider applying for social security retirement benefits earlier than they previously planned to supplement their income. But, continuing to work while receiving those benefits may cause their benefits to be reduced below the anticipated amount.