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Ashford Advisors Creative Wealth Maximization Strategies - October 2010

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This month's newsletter features the following articles:

Retirement Planning Should Not Be a Group Project

There are good reasons for individuals to choose to use group products to achieve some of their financial objectives. For things like auto and health insurance, being part of a group can mean lower prices, easier qualification standards, and other advantages that might only be available to large numbers of people. But sometimes, the group format just doesn’t fit. In particular, observation suggests that many people might be better served by establishing individual retirement programs apart from the group plans provided by employers or the government.

Permanent Life Insurance: A Few Questions For The “Experts”, And A Few Answers From Consumers

In print or online, it’s easy to find “experts” that claim a special understanding of how permanent life insurance fits in the typical American’s financial plans. In this article, two prominent experts with strong opinions (and differing) face a few questions about their approaches. In contrast to attitude of the experts, a new survey shows middle-class Americans’ have a renewed interest in making permanent life insurance a larger part of their financial program.

(BTW: Economists Like Permanent Life Insurance, Too)

Economists have a reputation for being boring academics whose work is often more theory than practical application. But when a 600-page book on banking and credit concludes that permanent life insurance provides the “perfect way to save…” these comments are worth reading.

As Employment Changes, What Will Happen to Mortgages?

Here’s a small item that appeared in a weekly one-page bulletin of personal finance and investment bullet points.

In the 1930s, the average length of a home mortgage taken out by an American homebuyer was only 3-5 years

Find out why this was true in the early 20^th century – and why the future may feature the same type of mortgages.

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Ashford Advisors Creative Wealth Maximization Strategies - October 2010

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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.

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* 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 adv isory 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.