November 2013

Click here to view this month’s newsletter: Creative Wealth Maximization Strategies – November 2013

 

Below is a summary of the newsletter this month:

PROPORTIONAL PERSPECTIVES ON WORK AND RETIREMENT

You can distill the essential issues in retirement planning to two, expressed as a ratio of working years to retirement years.

 

THREE-LEGGED RETIREMENT STOOL HAS ONE MISSING, ONE SHAKY LEG

(WARNING: GRAPHIC RETIREMENT DESCRIPTIVE IMAGES; VIEWER DISCRETION ADVISED!)

 

IF HISTORY REPEATS ITSELF, INNOVATION IS COMING

The recently-enacted Patient Protection and Affordable Care Act (ACA) may inadvertently lead to new strategies for compensating valuable employees.

 

FLUCTUATING VALUE IN INSURANCE ASSETS

Some insurance becomes more valuable the longer one lives, while other types are more valuable with decreased life expectancy.

 

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Ashford Advisors is a General Agency of The Guardian Life Insurance Company of America (Guardian), New York, NY.

Securities products/services and advisory services are offered through Park Avenue Securities, LLC (PAS),  member FINRA, SIPC.  Two Ravinia Drive, Suite 750, Atlanta, GA 30346, 770-390-2600.

PAS is an indirect, wholly owned subsidiary of Guardian. Ashford Advisors is not an affiliate or subsidiary of PAS or Guardian. Ashford Advisors is not an independent registered investment advisor.

Important Disclosures