An onslaught of retiring baby boomers; the uncertain duration of Social Security funding; difficulty with workplace retirement accounts like 401(k)s - even if these factors were stronger than they are now, you'd still have a heavy burden in managing your finances during retirement, says financial planner Carl Edwards.

"Financial planning for retirement has always been a daunting prospect; the current landscape simply makes your preparation that much more crucial in using your assets well," says Edwards, a highly credentialed consultant and owner of C.E. Wealth Group, (http://www.cewealth.com).

"Many advisors and clients rely too much on single product lines.  This misuse often gives products and the financial industry in general a bad name. Advisors who are restricted in the types of financial products they can offer or understand may not provide the best advice. Independent and credentialed planners, on the other hand, don't have their hands tied in what they can offer clients and may provide better advice."

Edwards reviews seven essential points that everyone should know regarding retirement planning.

•  Avoid trying to time the market. Markets often move in cycles and some investors believe that they can boost their investment returns by buying at the bottom and selling at the top. The problem is that investors are terrible at correctly predicting market movements and multiple studies have shown that market timers usually end up with significantly smaller retirement savings than buy-and-hold investors. While it can be stressful to see your portfolio plummet during a market correction, it's important to stay calm and focus on your long-term strategy.

•  Use risk-appropriate financial vehicles. Retiring can be a risky business. The days of relying on employer-provided pension plans are largely over and retirees now have to deal with risks including investment, inflation, healthcare, longevity and others. Though the total elimination of risk isn't possible, we can manage many of them through competent retirement planning and a clear understanding of factors like your goals, time horizon and financial circumstances.

•  Invest in the most tax-efficient manner. Taxes can take a big bite out of investment returns, which is why we stress tax-efficient planning with our clients. While taxes are just one piece of the overall financial puzzle, it's important to structure your investments so that you are able to keep what you earn.

•  Complete a cash flow analysis. Retirement will involve major changes to your finances. Sources and timing of income will change and financial priorities may shift as you start generating income from retirement savings. A cash flow analysis will identify spending patterns and help ensure that you have enough income to support your retirement lifestyle.

•  Guarantee your required income. For many retirees, having income that is not subject to market fluctuations is an important part of their retirement plan. Many will have at least some level of guaranteed income from Social Security or defined benefit pension plans. However, if you are worried that your expenses exceed your guaranteed income, a financial advisor can help you explore options for additional streams of income for life.  Guarantees are subject to the paying ability of the income provider.

•  Utilize longevity planning. Today's retirees are living longer than ever and many worry about outliving their assets. Longevity planning is about preparing for a happy, comfortable and independent retirement and can help ensure that your wealth lasts as long as you need it to.

•  Consider the effects of inflation. Inflation is one of the biggest issues facing retirees because they are disproportionately affected by rising prices. Escalating food, fuel and medical costs can devastate a retirement portfolio unless these costs have been factored into your planning. Positioning your retirement portfolio to fight inflation is critical to ensuring adequate income in retirement.

About Carl Edwards

Carl Edwards, MBA, ChFC®, is a Chartered Financial Consultant® and is the owner of C.E. Wealth Group, (http://www.cewealth.com). He has passed the Series 7, Series 66 and Series 63 securities industry exams. In addition, he has passed the Series 24 principal exam. He represents High Street Asset Management as an Investment Adviser Representative and Calton & Associates, Inc. as a Registered Representative. Edwards is also a licensed insurance agent in Life, Health, Medicare Supplement and Long Term Care insurances. Edwards received a master's degree in business administration and is currently completing a second master's degree in finance from Penn State University. He also is a member of the American MENSA.

Securities offered through Calton & Associates, Inc., Member FINRA/SIPC.  Advisory services offered through High Street Asset Management.  C.E. Wealth Group, LLC, High Street Asset Management and Calton & Associates, Inc. are separate entities. Insurance or insurance related products are offered through C.E. Insurances, LLC. Opinions expressed do not necessarily reflect those of Calton & Associates, Inc. or High Street Asset Management.  Individuals should consult their tax/legal advisors before making tax/legal-related investment decisions as Calton & Associates, Inc. and its Registered Representatives do not offer tax/legal advice.

Oct. 15, 2014 Right-of-Way, Forest, and Aquatic Pest Management, Scott County Extension Office,

9:00 am-11:30 am

Oct. 23, 2014 Mosquito and Public Health Pest Management, Scott County Extension Office,

9:00 am-11:30 am

Oct. 28, 2014 Scott County Extension Council Meeting, Scott County Extension Office, 7:00 pm

Jeremy Camp and Kutless The Come Alive Tour With Special Guest Adam Cappa 7:00 PM Wednesday, October 8th Adler Theater 136 East 3rd Street Downtown Davenport, Iowa This event is brought to us by Echo Ministries.

He is unapologetic about his faith, and his passion resonates through his worship songs and ballads that energize the entire audience to be reckless in their walk with God.

Since the release of his debut album Stay in 2002, BEC Recordings Jeremy Camp has had an outstanding career with 32 No.1 radio hits across all formats, four RIAA Gold-selling studio albums, five Dove Awards, a GRAMMY® nominated project and many more accolades.

Reckless is Camp's latest full-length record featuring the single and title track "Reckless." Camp is excited to share what God has been doing in his life on this new album. New and old fans alike will find Reckless to be as heart-felt and passionate as ever.

* Tickets ($40, $30, $20)

* Groups of 10+ available at a special $18 rate! 
* For Group seating: 
* Call Melissa Shore 563-326-8526 or email the Box Office at mshore@riverctr.com

Tickets available here: 
* Adler Theatre Box Office 
* Online at Ticketmaster here: Get Tickets
* Charge by phone at 800-745-3000
* and at all Ticketmaster outlets

Adler Theatre Box Office:
136 East Third Street
Davenport, Iowa 52801
Phone 563-326-8555
The Adler Theatre Box Office operates Monday through Friday from 10:00 a.m. until 5:00 p.m. 
The Box Office is closed on weekends and evenings, unless it is an event day where hours will vary.

Internet Purchasing: Online at Ticketmaster here: Get Tickets

Charge By Phone: call Ticketmaster at 1-800-745-3000

Ticketmaster Outlets:
· Bettendorf, IA: HY-Vee, 2900 Devils Glenn Rd. 
· Davenport, IA: HY-Vee, 2200 West Kimberly Rd. 
· Davenport, IA: Walmart, 3101 West Kimberly Rd. 
· Davenport, IA: Walmart, 5811 Elmore Ave.
· Moline, IL: Walmart, 3930 - 44th Avenue Dr. 
· Silvis, IL: HY-Vee, 2001 5th St.

DECORAH, IA (10/02/2014)(readMedia)-- Michael Ehrecke, Luther College senior of Davenport, Iowa, and Lis Athas, Luther College senior of Blue Grass, Iowa, will perform as Nurse in Luther's Visual and Performing Arts production of "A Thread in the Dark," by Hella Haasse.

"A Thread in the Dark" is the story of an individual challenging gods, heroes, myths and monsters in pursuit of truth. In the story, Ariadne watches her father, King Minos, send 14 young men and women into the labyrinth as sacrifice to the minotaur each year. Horrified, Ariadne feels helpless to act, until Theseus is called in as a sacrifice. Buoyed by her love for Theseus, Ariadne finds the courage to demand that her father spare the lives of this year's 14. Instead, she soon discovers that deep within the labyrinth, there are secrets and terrors more horrible than monsters.

The performances, held in the Jewel Theatre in the Center for the Arts on the Luther campus, are at 7:30 p.m. Thursday, Oct. 9, 9:30 p.m. Friday, Oct. 10, and 1:30 p.m. and 7:30 p.m. Saturday, Oct. 11.

Ehrecke, the son of Mark and Nancy Ehrecke, is majoring in theatre at Luther. He is a 2011 graduate of Davenport West High School.

Tickets for the performances are $12 for adults, $5 for children five and under. Tickets can be purchased at Luther's ticket website, www.tickets.luther.edu, by calling the Ticket Office at (563) 387-1357, or by visiting the Luther Ticket Office, open Monday, Wednesday and Friday, 9-10:30 a.m. and 11a.m.-3 p.m.; and Tuesday, 9 a.m.-3 p.m., with extended hours on Thursdays, 9 a.m.-7 p.m.

"A Thread in the Dark" is directed by guest director, Ylfa Muindi.

Recently Muindi wrote and performed her one-woman show, "Typhoid Fever", as part of Chicago's long running fringe festival, Rhino Fest. She regularly collaborates with Redmoon Theater, which used her puppets for "Astronaut's Birthday" at the Museum of Contemporary Art. In Chicago she has also worked with Collaboraction, Curious Theater Branch, Rough House, Screen Door Productions and the Whiskey Rebellion.

Muindi's unique style is evident in all her productions. She says, "I utilize puppetry, spectacle, and robust physical performance to tell stories in ways that overcome the barriers created by language, ability and societal norms."