Get the Basics Right
The sheer number of financial decisions
required to manage our finances can seem overwhelming. But often
we spend an inordinate amount of time on small stuff - getting
the bills paid on time, reconciling bank accounts, and calling
to have a late charge waived. While those things need to get done,
how do we judge whether we're headed on the right course? There
are six basic financial decisions that can determine the course
of your financial life.
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The Financial Planning Process
What are you doing to pursue your financial
goals? Developing and implementing a written financial plan will
give you a road map to help in the process.
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Life Insurance and Estate Planning
One of the more common reasons to own life
insurance is to help fund estate taxes after your death. If the
policy is properly structured, the proceeds will not be included
in your taxable estate and your beneficiaries will not have to
pay federal income or estate taxes. However, with the eventual
repeal of the estate tax in 2010, you may wonder whether you still
need life insurance for estate purposes.
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Asset Allocation Tips
Unfortunately, there is no one asset allocation
plan that is suitable for all investors. You need to evaluate
your risk tolerance, time horizon for investing, and return needs
to determine how you should allocate your portfolio among the
various investment categories. To help you with those decisions,
consider these points.
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Loan Carefully
Responding to a request for a loan from
a family member or friend can be difficult. Often, the reason
they're asking is because a bank or other lending source has turned
them down, making them less than an ideal credit risk. Carefully
consider such a request before agreeing to loan money. Consider
these points.
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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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