Final Streamline Newsletter for 2005     --   Is it almost 2006?  I can't believe it.  Time for tree trimming and tax loss harvesting, caroling and Roth IRA converting.  We appreciate your continued trust and look forward to working with you in the upcoming year.  While the media is telling me to wish you all a happy "Winter Holiday" or "Festivus", as a popular sitcom coined, my hope is that you would have a newfound wonder for what Christmas is all about.      --Toby

Streamline Office Hours for December  December 23rd through the 31st, we will have limited office hours and availability.  We will, however, have access to email and voicemail.  If you are anticipating a need to discuss your accounts prior to the end of the calendar year, please try to give us a call before the 23rd.  Thanks for your understanding!

The $300,000 Baby ?? As many of you know, our daughter Barrett was born back in July of this year.  Despite my best preparations and active involvement in the financial world, I was not immune from the pain that all parents like me might feel from reading this article.  Bottom line:  Start saving now! Read on...

Life Insurance Checkup Most of us have some form of life insurance.  How do you know if you have enough coverage, or too much coverage?  This is one of the many areas with which we can help.  Contact us to schedule your life insurance checkup, either via phone or in person.

140 S. Commonwealth , Aurora, IL 60506
Phone: 630-844-8733 | Cell: 630-205-9786 | Fax: 630-892-8198
Email: toby@streamlineplanning.com | Website: www.streamlineplanning.com

Securities Offered Through QA3 Financial Corp. Member NASD/SIPC
Advisory services offered through QA3 Financial, LLC, an SEC Registered Investment Advisor
One Valmont Plaza, 4th Floor, Omaha, NE 68154 (402) 964-3702