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Ashford Advisors Creative Wealth Maximization Strategies - May 2011

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This month's newsletter features the following articles:

Which Stones Will Make Big Ripples?

When it comes to making financial decisions, there is the belief that cause-and-effect relationships are at work in the universe, and that those who understand these relationships can both accurately discern the past and confidently predict the future. Theoretically, this paradigm is correct. But practical application of it is almost impossible. Why? Because there are so many inter-related causes and effects. Read more….

Two Overlooked Principles That Can Cause (or Prevent) Big Ripples

Most of us are familiar with basic financial principles like saving, reducing or eliminating debt, avoiding losses, and maintaining liquidity for emergencies and opportunities. We list here a couple of basic concepts that are perhaps not as well known, yet just as important, with great practical value.

Estate Planning: A Pebble that Can Ripple For Generations

It is an indelicate question, one that almost seems impolite to ask. But… What will happen to your stuff when you die? As much as it might seem crass or rude, this is a legitimate and critical question for spouses, children, creditors, business partners, charities, even the government. An estate plan serves as a legal road map for the disposition of your assets and obligations at the time of your death, and not only ensures that all property will be distributed according to your personal wishes, but also attempts to deliver the largest distributions possible with a minimum amount of delay to the appropriate parties.

Life Insurance in Estate Planning

Because of the financial leverage of life insurance (the ability to reserve a large amount of money for the future with a small premium), it is an ideal financial instrument to protect the best assets in an estate and maximize distributions to beneficiaries.

College-Loan Debt: A Millstone On A Graduate’s Future

Beginning a career with significant debt obligations is like entering a race with a grand piano tied around your waist. The dead weight of debt not only makes it harder to get started, but also means it will take longer to reach milestones. Conversely, if you want to give your children a financial advantage for the rest of their lives, help them graduate from college without any debt, particularly student loan debt.

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Ashford Advisors Creative Wealth Maximization Strategies - May 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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