Lifetime Wealth Portfolios


Lifetime Wealth PortfoliosSM – A New Definition of Wealth
What do you include when asked to determine the value of your total economic wealth? If you are like most savvy investors, you probably turn to a balance sheet of financial assets such as stocks, bonds, mutual funds, real estate holdings, and retirement savings accounts to calculate your financial net worth. This traditional definition of wealth, however, is incomplete. It overlooks what may be your largest asset – your “human capital”.
Human capital is the value of all your expected future income, including your pension income and Social Security benefits. Our solution evaluates your current income, your savings rate, and your work or retirement situation to determine how large an asset human capital is for you and its affect on your overall asset allocation.
Your human capital should drive insurance selection and asset allocation decisions in pre-retirement and retirement. In pre-retirement, incorporate insurance into your asset allocation to help mitigate risk and enhance the economic value of your portfolio.  In retirement, use guaranteed lifetime income* to hedge against the risk of outliving your retirement savings.
With my guidance in the assessment of your financial situation and the establishment of your goals and priorities, I can develop long-term fiancial strategies for you that provide solutions that address both asset allocation and insurance needs.
For a lifetime wealth strategies consultation please call (301) 390-5355 today!
*Guarantees are backed by the claims paying ability of the issuer.
Bates #415524CV exp. 03/22/2012



Subscribe to our Newsletter