Click here to view the February Newsletter: Ashford Advisors Newsletter – February 2013
STEPPING OVER THE “WEALTH THRESHOLD”
By statistical measures, financial inequality among Americans is increasing – rich Americans are getting richer, while the poor and middle class Americans are losing ground. Personal action remains your best strategy for crossing wealth thresholds.
MAKING SURE YOUR FINANCIAL RECORDS AREN’T LOST IN THE DIGITAL CLOUDS
As more of our financial and personal lives are archived online, the challenge of both protecting and providing access increases. If your loved ones, business associates and financial advisors can’t retrieve it, your digital cloud of data – financial records, photos, music collections, family documents – may vaporize.
PLAYING “NOW” AND “LATER” WITH LIFE INSURANCE
People don’t disagree with the concept of life insurance; there’s just a lot of discussion over what type of coverage to obtain, and how to use it. Most of the issues can be distilled to a discussion of “now” and “later.”
RISK MANAGEMENT: LIABILITY PROTECTION
Americans have a 10 percent chance of being sued in any given year and a 33 percent chance of being sued in their lifetimes. Litigation, even if eventually settled in your favor, can pose a significant disruption to your financial plans.
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.
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