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Creative Wealth Maximization Strategies - January 2012

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This month's newsletter features the following articles:

Nuclear Family Financial Models, Extended Family Realities

In Western societies, the Industrial Revolution freed nuclear family units from the need to remain connected to an extended family. Factory workers didn’t need land to make a living, didn’t need to become apprentices to find work, and didn’t need to stay in their hometowns. But even in “modern” society, it is difficult for a nuclear family to remain unaffected by its extended family connections. To make financial plans without considering one’s extended family is short-sighted and unrealistic.

Extended Family Issue: Financing Independent Living Arrangements

Generally classified as the population born between 1946 and 1964, the first of the Baby Boomers turned 65 in 2011. Not only are many of them retiring and collecting Social Security, these Boomers are also looking for long-term residential living options better suited to their lifestyle changes. This swell in demand is creating many different choices, as well as a new financial question: how will we pay for this?

Extended Family Issue: Special-needs planning

Raising a family is challenging under any circumstances, but for parents with special needs children the stakes are dramatically higher because the parenting responsibilities may last the child’s entire life. This reality can be overwhelming, both emotionally and financially. One of the best ways to face these long-term challenges is to systematically establish a long-term plan, one that considers both the emotional and financial issues likely to be encountered.

Some Retirement Plan Contribution Limits Change In 2012

Every year, the Internal Revenue Service announces changes in the amounts individuals can deposit to qualified retirement plans. And while tax deductibility can provide some extra saving incentive, it is prudent to consider these deductions (and restrictions) within the context of your larger financial picture. When was the last time you assessed your retirement plan saving?

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Ashford Advisors Creative Wealth Maximizations Strategies - January 2012

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** 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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