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Ashford Advisors Creative Wealth Maximization Strategies - February 2011

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This month's newsletter features the following articles:

Will 75 become the new 65?

For almost a century, age 65 has been associated with retirement. But as Americans live longer, a variety of demographic, social and financial factors may force them to keep working far past age 65.

Financial Protocol: How To Compensate Family Caregivers

Another socio-economic impact of increased longevity is the growing occurrence of children and/or other family members serving as caregivers for aging parents and relatives. Caregivers usually find their duties require significant financial sacrifices – cutting work hours, moving to live with an aging parent, etc. – and remuneration to family caregivers is a legitimate financial consideration. But as with many other financial transactions, the devil is in the details.

The Behavioral Nudge to Spend Built Into the 2011 “Payroll Tax Holiday”

White House officials state the average American family should see a $1,000 increase in take-home pay as a result of a one-year reduction in Social Security payroll taxes paid by their employers. Any tax reduction is good news, but a unique aspect of this tax break means you are more likely to spend the extra money rather than save it or pay down debt – unless you take steps to keep this money in your control.

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Creative Wealth Maximization Strategies - February 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.

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