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Ashford Advisors Creative Wealth Maximization Strategies - July 2011

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This month's newsletter features the following articles:

SOCIAL SECURITY: THE DISTANT FUTURE IS HERE…

For a long time, the prospect that Social Security might have to fundamentally change in order to continue operating as a safety net for all Americans was an issue for the “next generation” to resolve.. Now it appears the future is here. And the only silver bullet most Americans have in their financial holsters is to save more money – starting right now.

IF YOU EARNED $310,000 A YEAR, COULD YOU SURVIVE A “FORCED RETIREMENT?”

“Forced retirement” is just another way of saying someone wants to work, but external events keep them from doing so. This could be the result of a layoff, downsizing, health problem, etc. Most Americans, whether they earn a lot of money (say, $310,000 in their first year on the job), or a little, are ill-equipped to financially survive a forced retirement. This is a serious problem, because even a short period of forced retirement – like 60 days – is enough to undo much of their financial progress.

ALSO… A FORCED RETIREMENT PROTECTION CHECKLIST

Four fundamental financial decisions that can make all the difference when you need to survive a forced retirement.

ESTATE PLANNING FOR BLENDED FAMILIES –

RELEVANT IN THE AMERICAN COLONIES AND TODAY

The social norms of the 17^thcentury colonists would not appear to have much in common with 21^st century cultural standards, but there is one unique parallel: A concern for the equitable distribution of the property and estates of blended families.

According to the U.S. Census Bureau, blended families now actually outnumber traditional nuclear families. For different reasons, blended families were also a prominent feature of the American colonies. Many of the basic estate and inheritance issues from both eras are similar. The difference is the financial particulars of contemporary blended families are typically more complex and require much more documentation.

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Creative Wealth Maximization Strategies - July 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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