A checklist of what may be very critical to your financial future
 

 1)                  Is your investment portfolio positioned for the current investment cycle for you to Participate Yet Protect?  Or have you been left floundering in positions which you have been told will recover and that you should just hang in there?  Have you re-evaluated your risk tolerance levels to determine if your investment allocations reflect the current investment cycle? Does your advisor make recommendations based on independent analytical evaluations backed by 25+ years of experience?

2)                  Has your advisor discussed the impact of the zero percent capital gains tax rates for some taxpayers in the 10% and 15% tax brackets for 2008-2010? But because of the inclusion of the gains in determining the tax bracket some taxpayers could pay more than they did in prior years.

3)                  Have you discussed retirement planning, estimated family income needs if you, or your spouse, have an unexpected disability or death?  Is your life insurance reviewed periodically?  Do you have the right amount and type of coverage?  

4)                  If you have parents still living, have you discussed Long-term care planning for them or yourself?  Do you know what your options are, or what type of plan if any, may be suitable for your families needs? A generation ago, you retired at 65 and died at 70 or so.  Today with medical advances many retirees enjoy a happy active lifestyle for 20 years or more after retirement.  The family risk used to be dying too soon. Today the larger risk is living too long and using up family assets.

5)                  If you seek to be responsible and protect your family from having long-term care costs wipe out family assets, has your advisor done side-by-side comparisons of different sponsor plans?   Has he showed you how worthless so called “tax qualified” plans really are when you understand the facts and how it is less likely to pay you benefits and has questionable tax benefits?

6)                  If you have a 401K retirement plan are you confident you have selected the best investment options?  If you seek other alternatives do you know if your plan allows for "in service" rollovers to your own IRA with many more investment options?  Are your beneficiaries set up properly?  If you are self-employed, or have only your spouse working for you, are you aware of the benefits of a "Solo K"?

7)                  Have you considered using or amending your Living Trust to reflect the estate tax exemption changes?  Do you know the advantages of a Living Trust?
 

 We encourage you to ask yourself, does your current advisor discuss these issues with you and make proper recommendations regarding your individual situation. Would you like a second opinion? "FREE" with NO Obligation!

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Securities are offered through Multi-Financial Securities Corp, Member FINRA/SIPC. Investment advice is offered through Hutchison Investment Advisors, Inc, a Registered Investment Advisor. Multi-Financial Securities Corp. is not an affiliated company of Hutchison Investment Advisors, Inc., or Hutchison Financial Advisors.

CERTIFIED FINANCIAL PLANNER^TM and are certification marks owned by the Certified Financial Planning Board of Standards, Inc. These marks are awarded to individuals who successfully complete the CFP Board's initial and ongoing certification requirements.