Protecting Your Earning Power
You probably have life insurance to protect
your family's lifestyle in case you die prematurely. But have
you considered how your family would cope if you were unable to
work for a lengthy period due to illness or injury? Many people
ignore disability coverage, hoping they won't be affected by a
disabling injury or illness.
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Coping with Long-Term-Care Costs
Life expectancies have increased significantly
and are expected to continue to increase in the future. As people
age, they are more likely to develop conditions that limit their
ability to live independently. However, it is estimated that only
5% of people between the ages of 45 and 64 have purchased long-term-care
insurance (Source: Employee Benefit News, January 1, 2006).
[FULL ARTICLE]
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When Should You Sell?
It's always difficult to determine the proper
time to sell a stock. What if you sell and the stock price increases
dramatically? Or what if you hold onto the stock and its price
declines? To help you decide when to sell, consider these signals.
[FULL ARTICLE]
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An Annual 401(k) Plan Review
At least annually, you should thoroughly
review your 401(k) plan. Some items to consider include...
[FULL ARTICLE]
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What Are ADRs?
American depositary receipts (ADRs) are
the form in which foreign stocks trade on U.S. stock exchanges.
An ADR is a negotiable certificate issued by a U.S. bank (the
depositary), representing shares of a foreign stock. The original
foreign stock certificates are owned by the bank and held in the
issuer's country.
[FULL ARTICLE]
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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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