Invest Well, Retire Well

Dean Ferraro and John Ferraro are investment adviser representatives licensed in CA and TX. If you are not a resident of the states noted above, all investment-related information on this site is for informational purposes only and does not constitute a solicitation or offer to sell securities or investment advisory services over the internet. Check the background of these investment professionals on FINRA’s BrokerCheck. Securities offered through Interactive Brokers LLC®, Member SIPC, Advisory services offered through Longhouse Wealth Management℠, 187 Calle Magdalena Suite 103, Encinitas, CA 92024, 760-642-1100. Longhouse Wealth Management is a registered investment advisory firm, CRD#298119. This site may contain links to articles or other information that may be contained on a third-party website. Longhouse Wealth Management is not responsible for and does not control, adopt, or endorse any content contained on any third party website. Longhouse Wealth Management exclusively provides financial advice and services related to that advice and does not provide or supervise tax or accounting services. Advisors may provide tax, accounting or other services through their independent outside businesses, but these services are separate and apart from Longhouse Wealth Management. Longhouse Wealth Management is a "doing business as" name for Longhouse Investments LLC.

Risk Disclosure

Investments are subject to market risks including the potential loss of principal invested.

Asset Allocation Disclosure

Asset allocation does not assure or guarantee better performance and cannot eliminate the risk of investment losses.

Diversification Disclosure

Diversification does not assure or guarantee better performance and cannot eliminate the risk of investment losses.

Hypothetical Disclosure

Any rates of return shown above are purely hypothetical and do not represent the performance of any individual investment or portfolio of investments. They are for illustrative purposes only and should not be used to predict future product performance. Specific rates of return, especially for extended time periods, will vary over time. There is also a higher degree of risk associated with investments that offer the potential for higher rates of return. You should consult with your representative before making any investment decision.

Retirement Plan Disclosures

Money withdrawn from a SEP‐IRA (and not rolled over to another plan) is subject to income tax for the year in which an employee receives a distribution. If an employee withdraws money from a SEP‐IRA before age 59½, a 10 percent additional tax generally applies.

Employees who withdraw funds in a SIMPLE plan before age 59½ may have to pay a 10 percent tax on any withdrawals, in addition to any regular income tax. However, if the withdrawal occurs during the employee's first 2 years of participation, the additional tax is increased to 25 percent.

Employees who withdraw funds in a 401(k) plan before age 59½ may have to pay a 10 percent tax on any withdrawals, in addition to any regular income tax.

Retirement plan withdrawals may be subject to taxation and penalties when withdrawn early.