Ashford Creative Wealth Strategies Newsletter - June 2010

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:

Financial Defense

As aftershocks from the Great Recession continue to reverberate through the economy, wealth preservation has become a greater economic priority. While the articles in this issue may not specifically address your financial issues, the underlying concepts should provide insight and perhaps prompt you to re-evaluate your wealth preservation activities.

Accelerated Debt Payoffs: From 15 years to 18 months (but maybe 20 months is better)

One option recommended with some frequency in the financial press is diverting some or all of the dollars previously earmarked for saving and investing to paying down debt. For these “experts,” paying off debt is equivalent to earning the interest rate charged – “when you pay off a credit card that charges 16% interest it’s like earning 16% guaranteed.” Is this a good idea? An interesting math exercise says maybe not.

Asset Transfers: From Cash to Cash Value and Life Insurance in One Payment

Recently, several financial commentators have begun to classify permanent life insurance as a unique financial asset, which when used properly, can increase overall return and decrease risk. Following this line of thinking, one of the recommended strategies for adding life insurance to a portfolio is through systematic transfers from existing assets, rather than income. Here’s a look at a advance premium payment accounts, a unique asset-transfer tool.

Bugged By Gold

Gold is in the news: An ATM dispenses gold, a prominent stock guru recommends it, and TV commercials want you to sell your “unused and unwanted gold” to them. A brief overview of Gold’s multi-faceted financial history, from money to investment to “insurance.”

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Ashford Advisors Creative Wealth Strategies Newsletter - June 2010

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** 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.

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