Ashford Creative Wealth Newsletter - December 2009

To view this month's newsletter, please click on the PDF file located at the bottom of the page.

This month's newsletter features the following articles:

NUMBERS DON’T LIE, BUT WHAT DO THEY SAY?

The power of computer processing has brought complex financial calculating to the masses. But while an easy-to-use online calculator may be able to make a retirement projection in an instant, how do you know the information is relevant to your situation? The key to making technology work for you is the human intelligence behind the calculation.

PHONY IRS PHISHERS

You won’t believe the audacity of some identity thieves! Read an actual e-mail sent by phishers posing as the Internal Revenue Service.

FIVE-MINUTE FINANCIAL THOUGHT

What if the purpose of your financial program was to increase your income today instead of building an accumulation to be used in retirement?

TECH SUPPORT FOR FINANCIAL MANAGEMENT PROGRAMS

“User error” is a primary reason why great computer-based ideas don’t work. A discussion of how tech support (and financial expert support) makes a difference in using online financial management programs.

529 PLAN PARTICIPATION IS DOWN

529 Plans have been touted as the ultimate vehicle to save for your children’s college education. But the past year has seen a significant decline in participation. A short article on the factors contributing to this change.

Related Documents

Ashford Creative Wealth Newsletter - December 2009

Internet Marketing Firm: Full Media

Guardian, its subsidiaries, agents, or employees do not provide tax or legal advice. The Associates of Ashford Advisors, Inc., 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 770 390-2600. The Registered Representatives are securities licensed in Georgia, Florida, Alabama, Mississippi, South Carolina, North Carolina, Tennessee, Virginia, New York, Colorado, Arizona, Michigan, Illinois and Nevada and is strictly intended for individuals residing in those states. 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. Guardian, its agents and employees do not give tax or legal advice.

The Living Balance Sheet® and the Living Balance Sheet® Logo are registered service marks of The Guardian Life Insurance Company of America (Guardian), New York, NY. The graphics and text used herein are the exclusive property of Guardian and protected under U.S. and International copyright laws. © Copyright 2005-2009, The Guardian Life Insurance Company of America

* Registered Representative of Park Avenue Securities LLC (PAS), Two Ravinia Drive, Suite 750, Atlanta, GA 30346. Securities products and services offered through PAS, (770) 390-2600. Financial Representative, The Guardian Life Insurance Company of America (Guardian), New York, NY. PAS is an indirect, wholly owned subsidiary of Guardian. Ashford Advisors is not an affiliate or subsidiary of PAS or Guardian.
PAS is a member FINRA, SIPC.

** Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS), Two Ravinia Drive, Suite 750, Atlanta, GA 30346. Securities products/services and advisory services are offered through PAS, a registered broker-dealer and investment advisor, (770) 390-2600. Financial Representative, The Guardian Life Insurance Company of America (Guardian), New York, NY. PAS is an indirect, wholly owned subsidiary of Guardian. Ashford Advisors is not an affiliate or subsidiary of PAS or Guardian.
PAS is a member FINRA, SIPC.

Material discussed is meant for general illustration and/or informational purposes only and it is not to be construed as tax, legal or investment advice. Although the information has been gathered from sources believed reliable, please note that individual situations can vary, therefore the information should be relied upon when coordinated with individual professional advice.

Disability Income and Long Term Care products underwritten and issued by Berkshire Life Insurance Company of America, Pittsfield, MA, a wholly owned stock subsidiary of The Guardian Life Insurance Company of America, New York, NY. Products not available in all states. Product provisions and features may vary from state to state.

Guardian does not offer Property and Casualty insurance products or services.