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Ashford Advisors Creative Wealth Maximization Strategies - November 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:

IT’S ALL ABOUT INCOME

When it comes to important discussions of personal finance, the list is endless. But really, every topic relates back to one: Income. Read more to find out why it’s all about Income, and how one question can clarify all your financial decisions.

GUARANTEES, PROMISES AND CONTRACTS

If you want to ensure a steady stream of income in retirement, what’s the best approach? Social Security, employer pensions and individual financial products all offer the promise of a lifetime of retirement income. But when it comes to the guarantees contained in each of these plans, there are differences.

THE CHANGING NATURE OF EMPLOYMENT

Some research indicates 1 in 5* Americans are now “contingent employees,” which means they have steady work, but are not tied to one employer. This free-agent format (which research indicates is a growing trend) dramatically alters the paradigm for employee benefits and retirement plans. A look at how this reality might change both the marketplace for financial products as well as government initiatives.

* October 13, 2010 USA Today article, by Paul Davidson

RETIREES AND BANKRUPTCY

A new study indicates retirees represent the fastest-growing demographic for bankruptcy. Another surprising finding: overwhelming credit-card debt is often the catalyst for retirees losing their financial stability. Dig a little deeper, and the real problem is income.

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Ashford Advisors Creative Wealth Maximization Strategies - November 2010

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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.

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