Investment Planning

The goal of the investment strategy is to minimize the tax exposure and maximize the return. This requires on going evaluation of your portfolio in an ever-changing (sometimes volatile) market.

Annuities

• Different Annuities have different investment features. Some annuities guarantee a return of the initial investment regardless of the stock market's performance. Some annuities guarantee a certain monthly payment for the rest of your life- again regardless of stock market performance.
  
  
• All Annuities have certain tax benefits:
  • Tax Deferral on any gains
  • Tax Recognition only on the actual payment
  
  
• All annuities have certain tax "traps" that should be avoided
  • Additional Excise Tax of 10% on funds withdrawn before age 59 ˝
  • Immediate Tax Recognition on withdrawals in excess of basis

Mutual Funds

• Asset Diversification among and between different equities (stocks) to maximize gain and minimize market risk
  
  
• Asset Diversification among and between equity instruments (stocks) and debt instruments (bonds) to preserve the initial investment while generating investment income.
  
  
• Most importantly, utilizing "no load" mutual funds to maximize your investment dollars working for you - and allowing flexibility in an ever-changing market.

Life Insurance

• The primary goal of life insurance is to provide a pool of funds for your surviving spouse and/or children at your date of death. This includes "Legacy Planning"
  
  
• There are a multitude of insurance products (including Term Life Insurance that can accomplish this goal)
  
  
• Negotiating a Fixed Premium that provides this coverage - without fluctuations is the key to securing an appropriate life insurance policy.