We discuss potentially life altering issues relevant to your situation.
Our office doesn’t sell securities of any kind. How can you avoid losing your savings? For most of us only health maintenance is more urgent.
Our mission is guarding your savings.
Who Is the Person Most Often Responsible For Savings Loss? Who triggers your losses? How do investors stumble into unfortunate decisions? How do you avoid “writing that check I will always regret?” The ultimate protection for your peace of mind, your assets and your family is not a product. It’s not a service you buy. Surprisingly, it’s right under your roof. It’s you.
Addressing The Most Frequent Threats We All Face Beyond making unwise investment choices, what other circumstances frequently cause significant losses? Lawsuits, divorce, loans to family members and unforeseen medical expenses are common. Beyond insurance, a lawyer, your accountant or a financial planner, who can you turn to?
Protecting Your Family Future If you have a daughter approaching or in teen years what concern should you discuss with her right now? This particular issue could have an impact on her work life but even more critically on her family life.
Certain investments Are Far More Likely To Cause Problems An investor can examine any potential investment to discover if one particular circumstance can lock up their funds. It is far more common than most people realize.
The Free Insurance Coverage in Your Credit Card Many mainstream credit cards offer extensive benefits such as insurance coverage for rental cars, trip cancellation benefits, payment for lost luggage. Yet most credit card holders don’t seem to know this useful benefit exists. Do you?
Must I Buy Long Term Care Insurance? LTC coverage may have its place in your family’s protection. But must everyone purchase this expensive insurance? Before you talk with an agent we can assist you in understanding how LTC works and is it an expense you must carry?
The neighborhood you may need to depend on. Do you talk with your neighbors once a year? Actually communicate?
Who is rugged, who is smart, who is sympatico, who has medical experience? If you had to depend on someone else is there a person who you’re comfortable with? Who could be counted on to help defend your shared turf?
Financial Preparedness If communications are hampered, how will you reach a broker or financial advisor if you need their help? Do you know someone by name at your bank? Do you actually need to stash small bills or gold coins in your home?
What If There Is a Steep Drop In The American Economy?
If you can keep your aggregate losses to 10%, you'd have to regain only 11% to fully recover. Lose 40%, though, and you'd have to earn 67% to get back. That would take years.
For instance, assume that in 2008 you had $750,000 in your stock portfolio. That would have fallen to $472,500 after the crash. Even after a 4½ year bull run, you'd still be about $80,000 shy of the $1 million mark. Had you simply trimmed your 2008 losses by five points, though, your stocks would be worth $1 million today.
Contact Michael Sunday to get acquainted. 707 778-2100