September 2013

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

 

SAVINGS WITH NO STRINGS ATTACHED

Interesting thought: saving for college is a good idea – if the savings aren’t restricted to paying education expenses. Read the economic case for giving everyone a tax advantage for any type of saving.

 

QUITE POSSIBLY, THE WORLD’S PERFECT FINANCIAL CHOICE?

When the topic is financial protection and savings, life insurance companies can make a Chiquita-style claim for “cash value” or Whole Life policies.

 

POST-RECESSION JOB POSTING: HOUSEHOLD HR DIRECTOR

The US trend away from full-time employment means each household assumes the role of a Human Resources director.

 

STATUTE OF LIMITATIONS ON TRANSFERRED ASSETS:

AS LONG AS THE IRS NEEDS IT TO BE

Until the IRS has removed all liens from an estate, beneficiaries do not have unencumbered ownership of transferred assets, even after 41 years!

 

2013-9636

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Compliance number: 2013-0115

Guardian, its subsidiaries, agents, or employees do not provide tax or legal advice. Please consult with your attorney, accountant, and/or tax advisor for advice concerning your particular circumstances. No offers may be made or accepted from any resident outside these specified states. The information or opinions contained in this Internet site should not be construed by any consumer and/or prospective client as an offer to sell or the solicitation of an offer to buy any particular investment product. The information contained herein is directed solely to those individuals who reside in jurisdictions in which the representative is registered in the state where the consumer and/or prospective client reside. Any subsequent direct communication with a consumer and/or prospective client shall only be conducted by a representative that is registered in the state where the consumer and/or prospective client reside. The information on this web site is designed to be general in nature and for educational purposes only.

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 (PAS), Two Ravinia Drive, Suite 750, Atlanta, GA 30346, a registered broker-dealer and investment advisor. 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.

The financial representatives of Ashford Advisors are not licensed to sell insurance in all 50 states. To find out if an agent is licensed in your state, please contact Johnny Howard at 770-390-2624.

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Neither Guardian nor its subsidiaries issue Long Term Care Insurance.
Links to other sites are for your convenience in locating related information and services.  This Agency, The Guardian Life Insurance Company of America (Guardian) and Park Avenue Securities, LLC (PAS) do not maintain these other sites and have no control over the organizations that maintain the sites or the information, products or services these organizations provide.  Although this Agency, Guardian and PAS believe that the information from these organizations is reliable, we cannot guarantee its completeness or suitability for any purpose. Accordingly, this Agency, Guardian and PAS expressly disclaim any responsibility for the content, the accuracy of the information or the quality of products or services provided by the organizations that maintain these sites.  This Agency, Guardian and PAS do not recommend or endorse these organizations or their products or services in any way.