Responsibility of clients
– Understand their own interests and objectives
– Understand the basic nature of investments
– Have the discipline to maintain basic policies
– Stay focused on the long term objectives

Now, with your insurance protection in place, you are ready to look for the best investment opportunities. Simple rules to follow:
Keep a rainy-day fund
At least three months’ worth of expenses in a money market account.

The Durable Power of Attorney effectively delegates to a chosen representative the power to legally conduct your affairs. By selecting some trusted person to exercise this power, you may avoid interruptions of your business and financial matters. Without such an agreement, no one could gain access to your bank account, securities, or any other property in your name without resorting to lengthy legal proceedings.

When the topic is money, few things command more attention than retirement planning. Despite all the time we spend thinking about our retirement income; most people are not very good at saving and planning for retirement.

Equity investments (such as stocks or mutual funds) frequently leap forward, but occasionally fall back. Most investors would be pleased with gains in four of every five years. Do the occasional great years offset those with poor or negative return? This is a question frequently asked by people purchasing variable annuities and trying to contrast the level performance with stocks, mutual funds or variable annuities.