Ifrah Financial Services Newsletter

Ifrah Financial Services, Inc.
17300 Chenal Parkway
Suite 150
Little Rock AR 72223
501-821-7733
800-954-3724
advisor@ifrahfinancial.com
http://www.ifrahfinancial.com/

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August 2006

President & CEO
Patrick Ifrah

Financial Planners
Micah Brown, CFP®
Chris Cooper
Stephen DeSalvo, CFP®
Jim Erwin
Bobby Harris, CFP®
Frank Kelly, CFP®
John Kelly, CFP®
Kyle Pitts, CFP®
Doug Spencer, CFP®

Client Service Group
Robert McCollum
Heidi Roeglin-Banks
Evelyn Rogers
Renee Pearson
Joanna Goldman
Sabrina Spinnato
Latisha Bell

	New Ifrah Financial Services Newsletter Welcome to the Ifrah Financial Services newsletter "Spotlight"! We are excited with this latest addition to our menu of services.
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	Federal Tax Credits for Energy Efficiency A federal law passed in 2005 created several significant income tax credits in an effort to promote energy efficiency. Here's a closer look at four tax credits available to consumers.
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	Core/Satellite Investing While the core/satellite approach to investing sounds like a space-age strategy, it's nothing new. Long popular with institutional investors, it's gaining more attention from individual investors who want to manage risk, return, and investment costs.
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	Ask the Experts: What is vesting? Does your employer offer a retirement savings plan such as a 401(k) or profit-sharing plan? Did you receive a stock option grant as a year-end bonus? These employee benefits and others like them are often tied to a timeline known as a vesting schedule.
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Ask the Experts: Does the federal government insure pension benefits?
The federal government insures defined benefit plans (but not other types of retirement plans) through the Pension Benefit Guaranty Corporation (PBGC), a federal agency created by the Employee Retirement Income Security Act of 1974 (ERISA). A defined benefit plan is a qualified employer pension plan that promises to pay a specific monthly benefit at retirement.

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This publication should not be construed as investment or tax advice. The information obtained in preparing this publication came from sources deemed reliable but Ifrah Financial Services, Inc. makes no guarantee as to its accuracy or completeness. Please consult with professionals prior to making decisions that can impact your financial life.