Category: Asset Protection

Understanding Trusts In recent years the public has been bombarded with a barrage of advertisements, brochures, and articles about trusts of all kinds, especially so-called living trusts. Some of the information offered for public consumption is misleading and some of it is simply false.   This brochure is offered...

If you want to limit potential losses while participating in the potentially attractive returns of a market-driven investment but would also like a guaranteed return, an indexed annuity might be worth checking out. The performance of indexed annuities, also referred to as equity-indexed or fixed-indexed annuities, is tied to...

Annuities are insurance-based financial vehicles that can provide many benefits sought by retirement-minded investors. There are a number of reasons why people buy annuities. Deferral of taxes is a big benefit, and so is the ability to put large sums of money into an annuity — more than is...

Are you suddenly on your own or forced to assume greater responsibility for your financial future? Unsure about whether you’re on the right track with your savings and investments? Finding yourself with new responsibilities, such as the care of a child or an aging parent? Facing other life events,...

Sources of Retirement Income: Filling the Social Security Gap According to the Social Security Administration, more than nine out of ten individuals age 65 and older receive Social Security benefits. But most retirees also rely on other sources of retirement income, as shown on this chart: Source:  Fast Facts...

Type of Insurance How Does It Work? Life insurance Provides the beneficiaries of your life insurance policy with funds upon your death so that your assets will not need to be used to pay final expenses and estate taxes. Disability income insurance Pays benefits to replace part of your...

  Introduction If you haven’t done any asset protection planning, your wealth is vulnerable to potential future creditors and, should the worst happen, you could lose everything. Lawsuits, taxes, accidents, and other financial risks are facts of everyday life. And though you’d like to believe that you’re safe, misfortune...

Investing for Retirement with Mutual Funds You can invest in all three major asset classes through mutual funds, which pool your money with that of other investors. Each fund’s manager selects specific securities to buy based on a stated investment strategy. Mutual funds offer two key benefits. Because most...