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Pocket Folder Brochure; 9”x12” Main Brochure with sub-brochures; 6 color, cmyk + PMS and dull varnish; die cut to shape pocket and business card slits.

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Product Brochure

  1. 1. 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 ealth Accumulation Life’s Priorities Estate Plannin Protection Life’s Achievement Life’s Responsibilities Retirement Planni usiness Planning Life’s Goals Life’s Commitments
  2. 2. Life’s Responsibilities n Protection fe’s Priorities Life’s Goals n Wealth Accumulation n Retirement Life’s Achievements Planning n Estate Life’s Commitments Planning n Business 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.
  3. 3. Protection Life’s Responsibilities 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 unforeseen contingencies? 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? unpaid expenses? Would your family have to sell off assets? Mortgage payments ■ College savings ■ Child care ■ Taxes ■ Monthly bills ■ Food and clothing ■ Car payment ■ Retirement savings ■
  4. 4. ■ Protection ■ Wealth Where will the Accumulation ■ Retirement money come from? Planning ■ Estate Planning ■ Business Planning Two of the most effective and affordable ways to address these concerns are life insurance and disability insurance. ■ 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 becoming disabled? 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.
  5. 5. Wealth Accumulation Life’s Priorities 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 disposable income. 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- time. The cost of waiting But you have other asset accumulation concerns, such as: $50,000 goal in 10 years ■ Helping children afford college costs $1,921 ■ 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 $887 The bottom line $545 $376 You need an effective plan to set aside money for $276 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.