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Ashford Advisors Creative Wealth Maximization Strategies - January 2011

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This month's newsletter features the following articles:

Retirement: Work longer. Spend more. Save less. Have fun. (Really?)

Math never lies, but sometimes its practical applications don’t add up in real-life circumstances. And when you take a purely mathematical approach to retirement planning, these practical limitations can be a problem. This has prompted some financial commentators to propose different models for retirement. Among the features: a fourth leg, more years in the workforce and a diminished emphasis on saving..

4^th-leg Contrarian Indicator: Life Insurance Must Make Sense, Because Fewer People Have It.

Contrarians look for advantages in not following the herd. So when a recent survey reports that fewer American households own any kind of life insurance than at any time since the 1950s, it may be an indicator that having life insurance is really a smart move – especially if you need a fourth leg in retirement.

Saving: A logical response to uncertainty

In the midst of a deep financial recession, many businesses and individuals are increasing their cash positions to record levels – even though the returns from these deposits are near zero. Why would anyone continue to save money under these circumstances? There are several very good reasons.

Uncertainty Example: The Boss Of The Yankees And His Estate

When George Streinbrenner, the owner of the New York Yankees, died in July 2010, many publications noted that his estate would be exempt from federal income tax, due to legislations that called for a one-year elimination of the tax for 2010. However, Mr. Steinbrenner’s estate may be subject to other taxes, and the estimates of the cost of these taxes provides a telling example of the uncertainty that is prompting many to build their cash reserves.

Knock, knock.

“IT’S HOUSEKEEPING…We’re Here To Clean Up Your Beneficiaries”

Beneficiaries are a small yet important detail. As part of regular “financial housekeeping,” here are some factors to consider when evaluating the status of beneficiaries on your life insurance policies, retirement accounts, and other financial assets.

Related Documents

Ashford Advisors Creative Wealth Newsletters - January 2011

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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.

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