1


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^ O u f l o o k z Making financial advice work for you


M O N K Y ’ S a r e a l p r o b ­ l em , i s n ’ t i t ?


W h e t h e r y o u ' r e p e n n i l e s s


o r a m i l l i o n a i r e , i t ’s a r on - s t a n t s o u r c e o f w o r r y . I th in k I k n o w w h i c h m o s t o f n s w o n 1 il p r e f e r . h o w e v e r . . .


T o h e s e r i o u s , m o n e y ( o r t h e l a c k o f i t ) i l i c t a t e s a


y r c u t i l e a l o f o u r d a y - t o - d a y l i fe . W e w o r k h a r d t o e a rn i t . c h o o s e Im w t o s p e n d it a n d t r y v e r y h a r d t o s a v e s om e o f i t . m i ik iu y s u r e th a t w h a t w e s a v e h e a t s ( o r at l e a s t k e e p s l i p w i t h ) in l la t io n .


W h a t can w e d o t o a l la y


o u r f e a r s a n d w o r r i e s ? W e l i . w e c o u ld s p e n d th e lo t an d m a k e no p r o v i s i o n l o r o u r o w n h o m e , o r s a v i n g s . W h e r e w o u ld w e h e th e n ? I f a t l e a s t y o u a r r a n g e


t o hu.v y o u r o w n h om e (w i t h t h e h e lp o f a i im r t y i i y c ) , this is e x c e l l e n t e n f o r c e d s u v iu y w i t h im m e n s e l im y - t e r m h r n e f i l s . I h i y i u y y o u r o w n h om e ,


a n d c o n l r i i iu l i n y t o a p e n ­ s io n s c h em e a s w e l l , is h e l ­ l e r s t i l l : a n d ( l i e id e a l p i c ­ t u r e is o n e in w h i c h h om e , p e n s i o n , l o n y - t e rm s u v in y s , s h o r t - t e rm s u v in y s . c a p i ta l


i n v e s tm e n t a n d t a x ph tn - n i i i y a r e a l l p r o v i d e d f o r , a n d m o n i t o r e d o n a r e y u l a r ba s is .


N o w . h o w d o y o u s e t


a b o u t e n s u r i n y t h a t y o u p i c k t h e r i y h t m o r t y a y e , th e mo s t a p p r o p r i a t e p o l i c y , th e m o s t f l e x i b l e p e n s i o n plan, th e mo s t p r o l i t a h l c s u v in y s s c h e m e ? Y o u c o u l d , o f c o u r s e , put y o u r s e l f in th e h a n d s id' a n y o n e o f t h e n u m e r o u s h a n k s . h u ih l in y


s o c i e t i e s , i n s u r a n c e c o m ­ p a n i e s . u n i t t ru s t y r o u p s o r f i n a n c i a l c o n y l o in c r a t e s , w h o c o n s t a n t l y v i e f o r y o u r a t t e n t i o n . W i l l y o u h a v e p i c k e d th e r i y h t o n e f o r all y o u r v a r i o u s n e e d s ? W i l l t h e y e v e r t e l l y o u w h e n to s e l l t h e i r h o ld in y s ? I d o u b t it .


I t h i n k i t m a k e s m u c h


m o r e s e n s e t o t a l k t o s o m e o n e w h o is s t r i c t l y in d e p e n d e n t . W i t h a f in a n ­


c i a l p r e s s p a c k e d w i t h i n v e s t m e n t c h o i c e s , a n a d v i s e r w i t h n o s t r i n y s a t t a c h e d c a n h e lp y o u m a k e t h e m o s t e f f e c t i v e c h o i c e a n d ( im p o r t a n t l y ) r e v i e w th a t c h o i c e w i t h y o u f r om t im e l o t im e l o e n s u r e th a t i t r e m a i n s e n t i r e I v a p p r o p r i a t e . I l ew ,a r e . h o w e v e r , o f s o


c a l l e d “ a d v i s e r s " w h o a r e a t t a c h e d t o o n l y o n e f in a n ­ c ia l c o r p o r a t i o n (u s u a l l y an in s u r a n c e c om p a n y ) , w h o s e a d v i c e is not a l l o w e d , b y l a w . t o e x t e n d b e y o n d th e p r o d u c t s o f t h a t c o m p a n y a l o n e . I n s t c a i l . l o o k f o r a


w e l l - e s t a b l i s h e d , lo c a l , p r o ­ f e s s i o n a l f i rm w h o can c la im i n d e p e n d e n c e ( t y p i c a l l y , a m e m b e r o f K l i U l t K A ) a n d v o n c a n e x p e c t t o b e o f f e r e d c o n t r a c t s a n d fu n d s w h i c h sui t y o u r s i tu a t i o n n o w . an d in t h e fu t u r e . O f t e n , su ch s e r v i c e s c a n l i e f r e e o f d i r e c t c h n r y e , r e n um e r a t i o n b r i n y b y c om m i s s i o n s pa id f o r b y t h e in s u r a n c e c o m ­ p a n y o r u n i t t ru s t y r o u p .


I f i t ' s f i n a n c i a l s e c u r i t y


y o u a r e l o o k i n y f o r . s t a r t s u v i u y . y e t s o m e y o o i l a d v i c e — a n d m a k e s u r e i t 's I t-i ily i n d e p e n d e n t ! □


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