Take Control of Your Debt
Most long-term financial goals require saving
- perhaps for retirement, a child's college education, or a down
payment on a home. Thus, most people focus on saving, not realizing
that debt can be a major obstacle to pursuing those financial
goals. You may have little left over for saving if debt payments
are consuming a significant portion of your income. Or your debt
could cost more than you are earning on your investments.
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Distributing Assets to Adult Children
When your children were young, your primary
concern was probably how to provide for them in the event you
and your spouse died. Even though they may now be grown, your
children are probably still the center of your estate plan. Just
because they are adults doesn't mean that you have to leave their
entire inheritance to them outright. Consider these factors first.
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Deciding Where to Hold Investments
How earnings are taxed on investments depends
on whether the investments are held in a taxable or tax-deferred
retirement account. The difference between the maximum
ordinary income tax rate (35%) and the rate on long-term capital
gains and dividend income (15%) is now 20%. This is a significant
difference that could impact your decisions regarding how to invest
your retirement savings.
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Controlling Student Loans
Paying for a college education is no small
task, with the average annual cost of a four-year public college
at $15,566 and of a four-year private college at $31,916 for the
2005-06 school year (Source: Trends in College Pricing,
2005). You may not want to count on financial aid, especially
since approximately 47% of all financial aid awards are loans
(Source: Trends in Student Aid, 2005). Even if you have
been diligent about saving and qualify for some financial aid,
you may need student loans to get through college.
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Stock Market Lessons
The stock market volatility of the past
few years has been painful to endure, but that pain can teach
some valuable lessons about the stock market.
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David K. Sebastian, CFP®, and his team of experts at The Physicians Wealth Management Group specialize in working with individual physicians and group medical practices. David is considered to be one of the top financial advisors in the country with more than twenty five years of Wall Street experience as a chief investment officer, portfolio manager, institutional bond trader, and estate planning, benefits planning and retirement consultant.
Commitment to his clients’ financial needs and well being is a primary motivation for David.
The Physicians Wealth Management Group was specifically created to address and manage all of the unique financial challenges that doctors are facing both individually and through their group medical practices.
Feel free to contact me at
www.physicianswealth.com or
dsebastian@sfr1.com
or call me at (973) 285-3600
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