Beneficiary Directory Workbook: One File. One Location. One Call™

Your Personal System to Organize Your Important Documents and Guide Your Beneficiaries

The Beneficiary Directory Workbook includes all the forms needed to assist individuals and their Access Administrators in putting together a complete Beneficiary Directory.

For a full explanation of the features and benefits, as well as instructions for filling out the forms of a Beneficiary Directory, please refer to the book, Beneficiary Directory: Your Personal System to Organize Your Important Documents and Guide Your Beneficiaries.

Information on purchasing the book or additional workbooks may be found at the website,

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Financial Skinny-Dipping: Lessons from the Great Market Crashes

We live in a world of financial noise filled with empty rhetoric, gimmicks, and scams. And, the financial media cleverly disguises this noise as useful and reliable information; when it it’s really nothing more than financial entertainment that generates handsome advertising profits.

Do you remember Black Monday (back in October 19, 1987) the Dow plunged almost 23%… its largest one-day percentage point drop ever. That’s when investors were introduced to something new: a new era of stock market volatility. There were an army of economists and journalists that warned that the financial world, as we knew it, was coming to an end. Sound familiar?

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Research Report: 2013 Tax Facts

Happy Birthday IRS! On February 25, 1913, Secretary of State Philander (good name) Knox proclaimed that three-fourths of the states had ratified the 16th Amendment, thereby making the collection of income tax the law of the land.

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Money Market Reforms: What to Expect in 2013

In 2010, as a response to the events of the financial crisis two years earlier, the SEC implemented reform to reign in the type of risk taking that had pushed the net asset value of the Reserve Primary Fund to under $1.00. Money market mutual funds are exempt from SEC requirements that mutual funds maintain floating net asset values.

That flash point in September 2008 caused the U.S. Treasury to put a floor under money market funds, effectively guaranteeing assets held in money funds prior to the announcement. The Federal Reserve also stepped in with massive liquidity programs designed to keep short-term financing flowing.

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A Different Approach for Retirees Seeking Sustainable Income

In response to those who have concerns about “annuities”, this report delivers a more scientific view to what I consider to be a rather sensational bias against the use of these insurance products for retirement planning.

As a registered investment advisor, I have found it increasing difficult to draft a secure retirement plan that addresses both my clients’ income needs and their peace of mind. By using fixed indexed insurance products along with a risk-adjusted investment portfolio, I strongly believe we can achieve a comfortable level of success within many different economic models. This report apparently comes to the same conclusion.

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Say Goodbye to the 4% Rule

Can your nest egg last your whole lifetime? It’s getting tougher to tell. Conventional wisdom says you can take 4% from your savings the first year of retirement, and then that amount plus more to account for inflation each year, without running out of money for at least three decades. 

This so-called 4% rule was devised in the 1990s by California financial planner William Bengen and later refined by other retirement-planning academics. Mr. Bengen analyzed historical returns of stocks and bonds and found that portfolios with 60% of their holdings in large-company stocks and 40% in intermediate-term U.S. bonds could sustain withdrawal rates starting at 4.15%, and adjusted each year for inflation, for every 30-year span going back to 1926-55.

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