/**************************************
* http://vertical-scroller.vbarsan.com/
* This notice may not be removed
**************************************/
//-- Begin Scroller's Parameters and messages -->
//scroller's width
var swidth=200;
//scroller's height
var sheight=200;
//scroller's speed
var sspeed=5;
var restart=sspeed;
var rspeed=sspeed;
//scroller's pause
var spause=2000;
//scroller's background
var sbcolor="#FFFFFF";
//messages: set your own; use as many as you'd like; set up Hyperlinks to
//URLs as you normally do: ..message..;
var singletext=new Array();
singletext[0] = 'For almost four decades, Ramirez has been a premier fixed income portfolio manager and underwriter. Learn how we can help you grow your assets through both tax-exempt and taxable bonds. Contact a Ramirez representative for a free consultation on tax-advantaged fixed income investing.
';
singletext[1] = 'Ramirez offers tailored equity and balanced strategies for investors of all sizes. Contact a Ramirez representative for a portfolio and asset allocation review.
';
singletext[2] = 'The financial and economic times have been tough causing price fluctuations in many key asset classes from real estate, to stocks and bonds. Despite these tumultuous markets and trying times, it is an ideal time for tax and estate planning. (Click
here for tax strategies)
Are you on track for retirement or need to re-evaluate your retirement savings? Check out our retirement savings calculator to see if retiring early is in your cards. (Click
here retirement calculator)
';
singletext[4] = 'Do you know what you really own? Are you fully diversified within your individual investments and mutual funds? A closer look may surprise you. Contact a Ramirez representative for a FREE portfolio review.
';
singletext[5] = 'Have you reviewed your company 401(k) plan? Contact a Ramirez representative for a FREE review of your 401(k) plan to see if our team can help you improve performance, participation and lower the cost of your plan.
';
singletext[6] = 'Have you made a change in your employment this year? Consider rolling over your old 401(k) or other qualified plan to an IRA rollover. (Click
here retirement accounts)
';
singletext[7] = 'Did you pay too much in taxes last year? Contact a Ramirez representative for investment strategies on tax-exempt or tax advantaged investing.
';
singletext[8] = 'A carefully crafted estate plan can help you provide for your family\'s financial security at the lowest possible tax cost. Contact a Ramirez representative for help in preparing an estate plan or update an existing plan. A periodic review is necessary with changes in one\'s personal and financial situation as well as any changes in the gift and estate tax laws and regulations.
';
singletext[9] = 'If you want to establish an Individual 401(k), SEP-IRA or other QRP (qualified retirement plan) this year for your small business, the account must be opened by December 31. (Click
here business retirement strategies)