Planning for a
secure ﬁnancial future
How life insurance The why and how Funding the kind How to protect Business strategies
protects you— of wealth of retirement you your family and your that maximize assets
present and future accumulation can really enjoy estate from taxes today and tomorrow
Protection Life’s Achievement
usiness Planning Life’s Goals
Life’s Responsibilities n Protection
fe’s Priorities Life’s Goals n Wealth
Life’s Achievements Planning
Life’s Commitments Planning
Our objective is to help business owners, professionals, high-net-worth
individuals and their families begin preparing for a secure financial future.
Together, we will go through a financial discovery process — a stop-by-step
approach to personal and business planning designed to help you identify
and focus on your unique goals and objectives.
This process is designed to help you:
n Identify you current financial status
n Determine your financial objectives
n Address ways to achieve your goals
Working together, and, when appropriate, with your other
financial advisors (for example, your CPA or attorney),
we will help you:
n Analyze your alternatives
n Design a plan that addresses your unique needs
n Implement the plan
The five area of planning in which we specialize include:
Protection – protecting those who depend on you—your family and business as-
sociates—should you die prematurely or become disabled.
Wealth Accumulation – meeting your long-term savings goals.
Retirement Planning – ensuring you will not outlive your retirement funds re-
gardless of how long you and your spouse may live.
Estate Planning – preserving what you’ve worked hard to build over the years,
and planning for the eventual distribution of your assets to your heirs.
Business Planning – assuring your business is passed, intact, to the next genera-
tion or to your associates should you die prematurely, become disabled or simply
decide to retire. Business planning also includes rewarding yourself and you key
employees with incentive and benefit plans.
With proper planning today, you can help achieve tomorrow’s dreams.
You’ve worked hard to get where you are.
Now it’s time to protect what you’ve built, and the people
who depend on you.
Will your current assets be sufﬁcient to cover any
Even substantial assets can be
wiped out quickly.
■ A medical emergency results in premature death,
leaving your family without adequate income.
■ A long-term illness quickly drains a lifetime of savings.
■ An injury or accident makes returning to work impossible.
No on likes to think about dying too soon, suffering
from a long-tern illness or becoming disabled.
However, if you haven’t planned for theses possibilities,
the people who depend on you could ﬁnd themselves in
a disastrous ﬁnancial situation.
■ If your income suddenly stopped, how long could
your family go on meeting its monthly obligations?
What will your family
What would happen after that?
give up to cover
■ If you died leaving expensive, unpaid medical bills,
where would the money come from to pay them?
Would your family have to sell off assets?
Food and clothing
Where will the Accumulation
money come from?
Two of the most effective and
affordable ways to address these
concerns are life insurance and
■ Life insurance can provide an income-tax-free,
What are your chances of
lump sum payment that can be used to settle
debts, or be invested to provide a monthly
income stream for your family.
■ Disability insurance provides a monthly income
to make up for lost wages should an accident, Chances of Chances of
becoming disabled becoming disabled
sickness or injury prevent you from working at
Age in the next 15 years in the next 30 years
your regular occupation. Beneﬁts are generally
received tax free. 35 1 in 5 1 in 2
40 1 in 4 1 in 2
Do you own personal life insurance?
45 1 in 4 1 in 2
■ How much?
■ How did you arrive at this amount? 50 1 in 4 almost certain
■ Are your premiums level or do they increase?
■ Does your policy build cash value that can be
used for lifetime needs?
Do you own disability insurance?
■ How much does it pay per month?
■ How long does the beneﬁt last?
■ When do beneﬁts become payable?
■ Do you know how your policy deﬁnes “disability?”
Proper planning today will help protect you, your family
and the things that are important to you.
Accumulating wealth, no matter how
old you are when you start, requires
■ A long-term investment strategy
■ A commitment to seeing that strategy through
■ An understanding of your tolerance for risk
As you go through various stages in life—having
children, buying a home, raising a family and pay-
ing for college—your ability to set aside money will
ﬂuctuate. This ﬂuctuation must be factored into any
long-term accumulation strategy you develop.
Unfortunately, Americans have on of the lowest
savings rates in the industrialized world—4.7% of
People today are retiring earlier and living longer.
Where the concern was once accumulating sufﬁcient
assets, it is now making sure those assets last a life-
The cost of waiting
But you have other asset accumulation concerns,
such as: $50,000 goal in 10 years
■ Helping children afford college costs
■ Taking advantage of the equity markets without Monthly Contributions
undue risk of loss
■ Wondering whether Social Security will still be
there when it’s time for you to begin collecting
The bottom line $545
You need an effective plan to set aside money for
the future. A plan that is consistent with your Today Wait 2 yrs Wait 4 yrs Wait 6 yrs Wait 8 yrs
investment objectives, time horizon and comfort
level, and will not jeopardize your current lifestyle.