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(U.S. General Accounting Office.) |
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(Employee Benefit Research Institute in Washington.) |
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l. I have enough social security to support me. 2. When I retire my living costs will be much less. 3. My pension will provide for me. 4. I am too old to begin planning for my retirement. 5. My home (equity) will provide for me. 6. If I just keep saving everything will be fine. |
1. Question: What is the Legacy Alive Financial Planning Process?
The Legacy Alive Financial Planning Process is a system designed to help you insure financial well-being during your retirement years, even in the event of unpredictable and untimely events such as a permanent disability. Furthermore it enables you to plan for the legal and financial aftermath of your death.
There is nothing like the sense of security and pride you will gain when you have assured the welfare of those you love.
2. Question: How should I prepare for my first Legacy Alive appointment?
If possible, take a few moments and
- Review the Legacy Alive Financial Planning Process described below.
- Review the section called Steps to keeping your Legacy Alive.
- Write down any specific questions or concerns you might have.
- Consider attending one of our seminars.
3. Question: What takes place during the Legacy Alive Process?
Obviously each individual situation is unique, but below is a typical chronology of the Legacy Alive Planning Process.
Initial Legacy Alive Meeting
- Who we are
- Who you are
- Explanation of the ICS Legacy Alive Approach & Process
- Review of Legacy Alive Planning Checklist
Data Gathering by you according to Legacy Alive Planning Checklist
Analysis of Data by the Legacy Alive Team
Second Legacy Alive Meeting
- Review & Analysis of total financial picture including determining personal and financial goals:
- Discussion of the Legacy Alive Philosophy as it relate to your situation
- Risk/time profile and discussion
- Cash flow analysis
- Investment philosophy
- Tax management
- Estate Planning
Develop Legacy Alive Financial Plan based upon objectives identified above.
Fine tune Legacy Alive Plan
Third Legacy Alive Meeting
- Presentation & Review of Your Legacy Alive Plan. (Review the characteristics of a quality plan by clicking here.)
- Fine tune as necessary
Implementation of Your Legacy Alive Plan
Performance Monitoring of Legacy Alive Plan
Ongoing Review & Revisions of Legacy Alive Plan
4. Question: What are the components of a quality plan?
A quality plan should include:
- an analysis of your personal data.
- a discussion of your goals and objectives.
- identification of your unique issues and problems.
- specific assumptions related to mortality, inflation, investment growth, etc.
- a written overview and analysis of your assets and liabilities with net worth calculations
- a written statement of your source and use of resources indicating cash flow and income statements.
- analysis of income tax statements and projections to project tax liabilities.
- an analysis of your financial exposure as it relates to mortality, morbidity, liability and property (and business if applicable).
- a listing of your investment portfolio with a discussion of liquidity, diversification, and investment risk.
- an analysis of the capital needed to provide for financial independence at retirement and beyond (including special needs such as long term care).
- an analysis of assets included in your estate as well as an analysis of control, disposition, and taxation.
- written recommendations that specifically address your goals, objectives, special issues, and problems.
- a written, prioritized list of actions required to implement the recommendations.
5. Question: How do I go about scheduling a Legacy Alive appointment?
You can schedule a Legacy Alive appointment by:
- calling (804) 897-6001
- or 1-800-606-1071
- or drop us an e-mail: info@legacyalive.com
 Securitites offered through Ameritas Investment Corp. (AIC), member of NASD/SIPC.
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Contact Bill Judge & Associates Steps to legacy and wealth preservation Estate Planning / Life Insurance / Annuities Long Term Care / Asset Management Bill Judge & Associates / Special Initiatives News / Resources / Appointments Contact Us / Seminars / Home Copyright © 2006 Bill Judge & Associates Bill Judge & Associates 2902 Sweetspire Ridge Midlothian, VA 23113 1.800.606.1071 804.897.6001 fax: 804.897.8480 http://www.legacyalive.com Disclaimer: William Judge, Jr., of Bill Judge & Associates is registered with AIC, which is otherwise unaffiliated with Bill Judge & Associates. 5900 O Street, Lincoln, NE 68510 1-800-335-985 This is not an offer of securities in any jurisdiction, nor is it specifically directed to a resident of any jurisdiction. As with any security, request a prospectus from your registered representative. Read it carefully before you invest or send money. Securities products are limited to residents of Arizona, California, District of Columbia, Florida, Maryland and Virginia. A representative from Bill Judge and Associates will contact you to provide requested information. California license number 0D30711 |