A free 2011-2012 Tax Guide for your reference.  Happy Holidays!  Happy Investing!

If you do not take medical/tax/legal advice from anyone other than an MD/CPA/Attorney, you deserve nothing less than a CFA Charterholder and
CFP Practitioner for your finance! (Why Choose a CFA® Charterholder?,
Why Choose a CFP® Practitioner?)  

Thanks for your consideration, business, and referral.

Best Regards,

Richard Suder 苏宁, CFA, CFP^®, ChFC, CLU, CRPS, AAMS
President

Auri Elan Financial Group
奥瑞伊兰理财集团公司
1185 Washington St Suite 2
Newton, MA 02465
Tel: 617-329-1185
Fax: 617-370-0507
Email: richard.suder@lpl.com
Web: www.aurielan.com

Securities and Advisory Services offered through LPL Financial. A Registered Investment Advisor, Member FINRA/SIPC.

While the last few years have been highlighted with record swings
in market returns and widely oscillating economic data, we expect 2012 will be
less about the fringes and more about the middle. While volatility is likely to
remain elevated, the market and its economic backdrop may begin to migrate from
the extremes — oftentimes even polarized extremes — toward a more normalized
period where investor sentiment, economic activity and the market’s direction
start to move increasingly in alignment.

While moving away from the drastic extremes will be a welcome
environment for whipsawed investors, the center offers its own distinct
challenges and opportunities. The key hurdle for the market in 2012 will be
finding the right balance.

Recently we have experienced a market of extremes. In 2012,
finding a middle ground, or Meeting in the Middle, is going to be key for growth
in the markets and economy. Consumer sentiment, business leaders, policymakers
and geopolitics are going to have significant impact on the investment
environment.

Report: 2012 Outlook, Meeting in the Middle

Auri Elan Financial Group (Auri Elan) is an independent full-service wealth management firm specializing in providing comprehensive and objective investment consultation, financial and insurance planning to individual investors, companies, select group of affluent families and entrepreneurs.   

Auri Elan was founded on the principles of ELITE - Expertise, Loyalty, Independence, Tenacity, Enthusiasm.   

The mission of Auri Elan is to help our clients achieve their financial goals and dreams by providing sound unbiased advice, exceptional personal service, and high quality suitable investments and insurance while working diligently in their best interests at all times.

Auri Elan consists of four divisions: 

• Auri Elan Financial - Investment, Retirement (IRA, Roth, Rollovers), Education (529, Coverdell), Insurance, and Estate Planning and Implementation
• Auri Elan Insurance – An independent insurance agency for your Auto, Home, Life, Health, and Business insurance needs.
• Auri Elan Retirement Plans – Design, install, and maintain retirement plans (such as 401Ks, SEP, SIMPLE) for companies and small-business owners.
• Yillionaire Family Office – A multi-family office (MFO) established for families with exceptional wealth.

Auri Elan is affiliated with LPL Financial – nation’s leading diversified financial services companies and the largest independent broker/ dealer supporting more than 12,000 financial advisors nationwide as reported in Financial Planning magazine 1996-2010, based on total revenues.

If you do not take medical/tax/legal advice from anyone other than an MD/CPA/Attorney, you deserve nothing less than a CFA Charterholder and CFP Practitioner for your finance!

Please contact us for a complimentary Portfolio and Insurance Review.  Thank you for your consideration, business, and referral!

• Why Choose Auri Elan Financial Group?
• Wealth Management Built on Integrity and Experience
• What You Should Know about Financial Planning
• 10 Questions to Ask When Choosing a Financial Planner
• LPL ranked “Among the best” by J. D. Power
• Why investors must demand higher standards from their FAs?
• Choosing a Financial Adviser
• Why Choose a CFA® Charterholder?
• Why Choose a CFP® Practitioner?
• What can a ChFC® do for you?
• What can a CLU® do for you?
• Is my money safe?
• 2010-2011 Tax Guide
• Retirement Plan Comparison

• Australian shares lower in early trading February 22, 2012
  SYDNEY (MarketWatch) -- Australian shares edged lower in early trading, with the S&P/ASX 200 index down 0.2% at 4,286.60. Miners were lower, with Fortescue Metals Group Ltd. down 0.9% and Rio Tinto Ltd. also down 0.9%. Investors were also eyeing earnings, with airline Virgin Australia Holdings Ltd. up 6.9% but Fairfax Media Ltd. down 2.4% after updating investors.Market Pulse Stories are Rapid-fire, short news bursts on stocks and markets as they move. Visit MarketWatch.com for more information on this news.
• Australia's Gillard calls leadership contest February 22, 2012
  SYDNEY (MarketWatch) -- Australia's prime minister Julia Gillard Thursday called a leadership contest for the Labor Party after Kevin Rudd resigned as foreign minister in Washington late Wednesday.Market Pulse Stories are Rapid-fire, short news bursts on stocks and markets as they move. Visit MarketWatch.com for more information on this news.
• Vivus weight-loss drug backed by FDA advisers February 22, 2012
  SAN FRANCISCO (MarketWatch) -- Vivus Inc. said late Wednesday a Food and Drug Administration advisory panel recommended 20 to 2 that the agency approve its weight-loss drug Qnexa. Shares of Vivus, which had been halted all day Wednesday, surged 91% to $20.11 on heavy volume in after-hours activity. The FDA, which is not bound by the panel recommendations but often follows them, is set to make a final decision on the drug by April 17. Qnexa, if approved, would fill a void left by several diet drugs that had been pulled from the U.S. market in past years due to safety concerns.Market Pulse Stories are Rapid-fire, short news bursts on stocks and markets as they move. Visit MarketWatch.com for more information on this news.
• Vivus diet drug gets FDA panel backing: reports February 22, 2012
  SAN FRANCISCO (MarketWatch) -- A panel that advises the Food and Drug Administration recommended approval of a weight-loss drug made by Vivus Inc. , according to media reports later Wednesday. The advisory panel, which the FDA is not required to follow, voted 20 to 2 to support the approval of Vivus' Qnexa, which would fill a void left by weight-loss drugs pulled from the U.S. market because of various safety issues. The FDA is expected to make a decision by April 17. Shares of Vivus, which had been halted early Wednesday morning, jumped 91% to $20.17 in after-hours activity.Market Pulse Stories are Rapid-fire, short news bursts on stocks and markets as they move. Visit MarketWatch.com for more information on this news.
• EU firewall comes before G-20 aid to IMF: Brainard February 22, 2012
  WASHINGTON (MarketWatch) - The G-20 will not decide on boosting resources for the International Monetary Fund until after euro-zone officials agree on their own rescue fund at a summit in early March, Lael Brainard, Treasury undersecretary for international affairs, said Wednesday. The IMF is currently seeking to raise up to $500 billion in additional lending resources so it's better equipped to respond to the euro crisis and other emergencies. But the United States and other countries are pushing Europe to first bolster the firewall designed to prevent the debt crisis from engulfing Spain or Italy. Brainard refused to give details on the size of the rescue fund, saying only that it must be big enough to convince financial markets "of the commitment by the members of the euro area to protect the euro area." She added that the firewall also must be "fully operational" and able to provide emergency funding for bank recapitalizations and sovereign needs. Europe's debt crisis will be a topic of discussion at the G-20 finance and central-bank officials' meeting in Mexico City this weekend, according to Brainard.Market Pulse Stories are Rapid-fire, short news bursts on stocks and markets as they move. Visit MarketWatch.com for more information on this news.
• Oil stocks up 3.6 million barrels: trade group February 22, 2012
  SAN FRANCISCO (MarketWatch) -- Crude-oil supplies rose 3.6 million barrels on the week ended Feb. 17, a trade group said late Wednesday. The American Petroleum Institute reported its weekly supply data a day later due to Presidents Day holiday. The API said gasoline supplies rose 314,000 barrels, while distillates stockpiles were up 630,000. The Energy Information Administration reports official data Thursday, also a day later than usual. Analysts polled by Platts expect crude-oil supplies up 1.7 million barrels, gasoline stockpiles down 450,000 barrels, and distillates inventories down 1.8 million barrels. Oil futures ended at a nine-month high on Wednesday at $106.28 a barrel on the New York Mercantile Exchange.Market Pulse Stories are Rapid-fire, short news bursts on stocks and markets as they move. Visit MarketWatch.com for more information on this news.
• SkullCandy swings to a profit as sales jump February 22, 2012
  SAN FRANCISCO (MarketWatch) -- SkullCandy Inc. said Wednesday afternoon that it swung to a fourth-quarter profit on stronger-than-expected sales of its headphone products and other audio accessories. For the quarter ended Dec. 31, SkullCandy reported net income of $12.3 million, or 44 cents a share, compared to a net loss of $9.7 million, or 69 cents a share, for the same period the previous year. Earnings on a non-GAAP basis would have been $13.2 million, or 47 cents a share, for the recent period. Revenue rose 29% to $83.4 milliion. Analysts were expecting earnings of 48 cents a share on revenue of $662.4 million for the period, according to consensus estimates from FactSet Research. Market Pulse Stories are Rapid-fire, short news bursts on stocks and markets as they move. Visit MarketWatch.com for more information on this news.
• U.S. stocks fall for first day in four February 22, 2012
  SAN FRANCISCO (MarketWatch) -- U.S. stocks closed lower Wednesday, breaking three straight days of gains, as investors backed off from a rally that had sent indexes to multiyear highs, and following economic data that showed business activity contracting in China and Europe. The Dow Jones Industrial Average lost 27.02 points, or 0.2%, to 12,938.67, its first down day in four. The S&P 500 fell 4.55 points, or 0.3%, to 1,357.66, also quitting three straight days of gains. The Nasdaq Composite fell 15.40 points, or 0.5%, to 2,933.17; the tech-weighted index has lost ground for three days.Market Pulse Stories are Rapid-fire, short news bursts on stocks and markets as they move. Visit MarketWatch.com for more information on this news.
• H-P net falls 44%, beats earnings view February 22, 2012
  SAN FRANCISCO (MarketWatch) - Hewlett-Packard on Wednesday reported a fiscal first-quarter profit of $1.47 billion, or 73 cents a share, compared with a profit of $2.6 billion, or $1.17 a share, for the year-earlier period. Revenue was $30.04 billion, down from $32.3 billion. Adjusted profit was 92 cents a share. Analysts were expecting earnings of 87 cents a share, on revenue of $30.7 billion, according to a consensus survey by FactSet Research. Market Pulse Stories are Rapid-fire, short news bursts on stocks and markets as they move. Visit MarketWatch.com for more information on this news.
• Analog Devices earnings fall 37% in first quarter February 22, 2012
  SAN FRANCISCO (MarketWatch) -- Analog Devices said Wednesday afternoon that earnings for the first fiscal quarter slid by 37% as a drop in sales was offset by higher expenses. For the quarter ended Feb. 4, Analog Devices reported net income of $139.4 million, or 46 cents a share, compared to net income of $222.1 million, or 70 cents a share, for the same period the previous year. Revenue fell 11% to $648 milliion. Analysts were expecting earnings of 48 cents a share on revenue of $662.4 million for the period, according to consensus estimates from FactSet Research. The company also raised its regular quarterly dividend by 20% to 30 cents a share. Market Pulse Stories are Rapid-fire, short news bursts on stocks and markets as they move. Visit MarketWatch.com for more information on this news.

• Australian dollar trades at $1.0616 February 22, 2012
• S&P/ASX 200 index down 0.2% at 4,286.00 February 22, 2012
• Australia's Gillard calls leadership contest February 22, 2012
• Vivus shares resume trading, jump 81% to $19.04 February 22, 2012
• Vivus shares to resume trading at 5:45 p.m. EST February 22, 2012
• H-P: Ink sell-through at low levels in industry February 22, 2012
• H-P: Remains cautious about macro environment February 22, 2012
• H-P: Drive shortage big factor in revenue decline February 22, 2012
• H-P CEO: Seeing weak consumer market February 22, 2012
• H-P CEO: Business customers 'investing cautiously' February 22, 2012

• Volume Growth Drives Boston Beer Company in 4Q; Shares Slightly Overvalued February 22, 2012
• MGM Resorts Reports Solid Fourth Quarter, but Las Vegas' Recovery Already Priced Into Stock February 22, 2012
• Analog Devices Also Sees a Bottom to the Chip Industry Downturn February 22, 2012
• HDFC's Profitability Expands in the Third Fiscal Quarter February 22, 2012
• France Telecom's 2011 Results Slightly Ahead of our Expectations, but Firm Cuts Dividend February 22, 2012
• AGL's Earnings Fall on Merger Expenses and Continued Weak Nonregulated Performance February 22, 2012
• Value-Conscious Shoppers Boost TJX Comps; Raising Fair Value Estimate, but Shares Look Rich February 22, 2012
• Lamar Reports Solid Revenue Growth for Second Quarter in a row, Shares Slightly Overvalued February 22, 2012
• MGM China Reports Strong 4Q Results and Announces Special Dividend; Shares Remain Undervalued February 22, 2012
• Placing Garmin Under Review February 22, 2012

• Stocks End in the Red After Data, EU Woes February 22, 2012
  Read full story for details.
• Greece Concerns, Data Send Stocks Lower February 22, 2012
  Read full story for details.
• We Love This ETF: Sell It Now February 22, 2012
  Read full story for details.
• For Those Daring to Brave Europe, Try These Funds February 22, 2012
  Read full story for details.
• Are Central Banks Moving the Gold Market? February 22, 2012
  Read full story for details.
• Asian Markets Close in Green; Sensex Slips February 22, 2012
  Read full story for details.
• European Markets Slightly Lower After Data February 22, 2012
  Read full story for details.
• Asian Markets Pick up After Weak Open February 21, 2012
  Read full story for details.
• Stocks End Mixed on Greek Deal February 21, 2012
  Read full story for details.
• Stocks Higher After Greek Bailout Deal February 21, 2012
  Read full story for details.

• Bulls Favor Stocks and Obama February 17, 2012
  But contrarians are taking money off the table after a big bull run. A warning?
• Economics and Politics Point to Stand-Pat Fed February 16, 2012
  FOMC minutes suggest no new moves while election year argues for discretion.
• Pension Funds Still Falling Short February 15, 2012
  Low interest rates keep funds from reaching their bogies. Fitch points to biggest gaps.
• Suppressed Bond Yields Don't Make Stocks a Buy February 10, 2012
  Barclays sees mediocre equity returns despite apparent cheapness of stocks.
• Where Have You Gone, Blyth Eastman Dillon Paine Webber Kidder Peabody? February 8, 2012
  Ford's 1956 IPO, the Facebook of the day, shows the Darwinian evolution of Wall Street. Did they have a better idea then?
• Are We There Yet? February 7, 2012
  Stocks may be cheap vs. bonds, but not cheap absolutely, says veteran market seer.
• Negative Interest Rates---a Minus for Growth? February 3, 2012
  Pimco's Gross sees ultra-low rates as a deterrent to credit, contrary to theory.
• Will Consumers Have the Dollars to Save J.C. Penney? February 1, 2012
  As the retailer copes with tapped-out consumers, Fed policies could make things worse.
• A Lender Be to Private Equity January 31, 2012
  As PE draws more scrutiny over taxes, bonds funding LBO deals may have higher returns.
• Money for Nothin' and Bips for Free January 31, 2012
  The Fed's plan to keep rates at zero is music to the ears of gold bulls.

• UPDATE 1-Coke, Dr Pepper react to Pepsi ad increase February 22, 2012
  Feb 22 (Reuters) - Top executives from PepsiCo Inc's two biggest competitors were unfazed Wednesday by a significant increase of North American advertising by the number two soft-drink maker.
• UPDATE 2-Prevnar trial results needed for CDC recommendation February 22, 2012
  Feb 22 (Reuters) - Advisors to the U.S. Centers for Disease Control and Prevention on Wednesday will wait for results from a trial of Pfizer Inc's Prevnar 13 pneumonia vaccine before deciding whether...
• Newell sets sites on where its brands can grow February 22, 2012
  BOCA RATON, Fla., Feb 22 (Reuters) - Newell Rubbermaid Inc is placing bets on $7,500 Parker pens and eco-friendly janitors' buckets as it tries to grow in emerging markets.
• Rivals blast Verizon's bid for cable airwaves February 22, 2012
  * FCC, DOJ probing Verizon's two deals with cable companies
• Nikkei seen edging higher, softer yen to boost stocks February 22, 2012
  TOKYO, Feb 23 (Reuters) - Japan's Nikkei share average is expected to edge higher on Thursday, with the softer yen underpinning market sentiment and boosting risk appetite as investors hope for a...
• Argentina primary budget surplus sinks in January February 22, 2012
  BUENOS AIRES, Feb 22 (Reuters) - Argentina posted a primary budget surplus of 622.4 million pesos ($142.9 million) in January, down from a surplus of 2.11 billion pesos in the same month of 2011, the...
• UPDATE 1-Sequenom seeks injunction in Aria patent case February 22, 2012
  Feb 22 (Reuters) - Genetic analysis products maker Sequenom Inc sought a preliminary injunction against Aria Diagnostics to stop the privately held company from selling prenatal tests for detecting...
• TABLE-Japan manuf mood dips to levels seen after quake -Reuters Tankan February 22, 2012
  TOKYO, Feb 23 (Reuters) - Japanese manufacturing sentiment this month slid to its lowest since the aftermath of the earthquake last March, a Reuters poll showed, indicating the world's No.3 economy...
• Japan manuf mood dips to levels seen after quake -Reuters Tankan February 22, 2012
  TOKYO, Feb 23 (Reuters) - Japanese manufacturing sentiment this month slid to its lowest since the aftermath of the earthquake last March, a Reuters poll showed, indicating the world's No.3 economy...
• UPDATE 2-DryShips upbeat about drilling unit February 22, 2012
  * Ocean Rig Q4 drilling rev more than doubles to $237.6 mln

• Karzai urges calm as six die in Afghan Koran protests February 22, 2012
  KABUL (Reuters) - Afghan President Hamid Karzai appealed for calm Wednesday after officials said six people were shot dead and dozens wounded in protests over the burning of copies of the Koran, Islam's holy book, at NATO's main base in the country.
• Assad forces bomb Syria's Homs February 22, 2012
  AMMAN/BEIRUT (Reuters) - Syrian President Bashar al-Assad's forces rained rockets and bombs down on opposition-held neighborhoods of the city of Homs on Wednesday, reducing buildings to rubble and killing more than 80 people, including two Western journalists.
• White House seeks to deflect blame over rising gas prices February 21, 2012
  WASHINGTON (Reuters) - Under fire from Republicans over rising gasoline prices, the White House on Tuesday highlighted factors beyond its control for gains in global oil markets, as it sought to deflect blame over a potentially damaging election-year issue.
• Obama urges corporate tax cut, closing loopholes February 22, 2012
  WASHINGTON (Reuters) - President Barack Obama made an opening offer in what could be a long negotiation with corporate America on Wednesday, putting forward his first clear plan to cut the corporate tax rate.
• Whitney Houston Open Casket Photo Graces National Enquirer Cover February 22, 2012
• U.S. government concerned about Anonymous causing blackouts February 21, 2012
  National Security Agency director General Keith Alexander believes Anonymous could have the power to take town the United States’ electrical grid this year. The Wall Street Journal’s sources say the director admitted his concern over the hacktivist group at the …
• Iran defiant as U.N. nuclear talks fail February 22, 2012
  VIENNA/TEHRAN (Reuters) - The U.N. nuclear watchdog ended its latest mission to Iran after talks on Tehran's suspected secret atomic weapons research failed, a setback likely to increase the risk of confrontation with the West.
• CIA to software vendors: A revolution is coming February 21, 2012
  WASHINGTON (Reuters) - The U.S. Central Intelligence Agency told software vendors on Tuesday that it plans to revolutionize the way it does business with them as part of a race to keep up with the blazing pace of technology advances.
• Atlanta spa shooting stemmed from domestic dispute: police February 22, 2012
  ATLANTA (Reuters) - Police investigating a shooting rampage at a suburban Atlanta health club have identified the four victims as relatives of the gunman, who fatally shot himself after opening fire on his two sisters and their husbands.
• Home resales at 1-1/2 year-high, supply falls February 22, 2012
  WASHINGTON (Reuters) - Home resales rose to a 1-1/2-year high in January, pushing the supply of properties on the market to the lowest level in almost seven years in a hopeful sign for the housing sector.