Manage Your Money

"Roughly 20% of corporate and public pensions in the US now use hedge funds along with stocks and bonds."

Do you know where your money REALLY is?

Learn about annuities, dividend paying, high cash value life insurance products - products that you can use for your own retirement funding.

Estate Planning and Insurance

Do you have an estate plan? A will? A trust?

You should. Without creating one, you could be subjecting loved ones to headache upon headache should something happen to you.

There are various levels of estate planning. A will, durable power of attorney, trusts, etc. Work with an attorney well versed in these areas (call me for a referral).

I'm in the process of creating a trust. Our life insurance beneficiaries will be changed to the trust. Creating a trust will avoid probate for my family and to take advantage of estate tax exemptions if available AND the biggest factor to me right now.... I have younger children. A trust can delay fund distributions until the age I deem appropriate. Not many 15 years are ready to manage an inheritence, in my mind.

Is it expensive to create a trust? Well, there is a big difference between cost and value. Creating a trust is something I valued and found the money to pay for.