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April 30, 2012 |
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 Whether related to employee benefits or personal wealth planning, the many opportunities to help you safeguard your and your family’s future can also generate many questions about how best to proceed. In this, our “spring forward” edition, we offer a few best-practice ideas to guide your personal and financial well-being.
Best,
John A. Frisch, CPA/PFS, CFP
President & Founder
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Trustees: Selection, Roles & Responsibilities
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The selection of a trustee is one of the most important elements of trust design. This article looks at the different aspects of the role of the trustee and the factors you should consider when selecting one.
Synopsis: The person selected as trustee of a trust may shape your intentions for years — or even decades — to come. The trustee is responsible for keeping the trust’s financial blueprint on track in the face of random market events. He or she is also expected to ensure that the trust continues to meet its objectives for beneficiaries, even those whose goals and needs might evolve unpredictably over time. The ideal trustee will have — or be able to summon — legal, tax, investment, and administrative expertise, and deliver that expertise loyally, decisively, and impartially.
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New Reports Show Challenging Financial Outlook for Social Security and Medicare
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Every year, the Trustees of the Social Security and Medicare Trust Funds release reports to Congress on the current financial condition and projected financial outlook of these programs. This year's reports, released on April 23, 2012, show that both programs face urgent financial challenges that should be addressed as soon as possible.
Why are Social Security and Medicare facing financial challenges?
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Short Term Disability Coverage
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I Get Short Term Disability Coverage as a Benefit at Work. Do I Need More Coverage?
The need to purchase supplementary short-term disability insurance depends on a whether the coverage provided through an employer-based policy covers most of a worker’s living expenses. If there is a considerable gap between the income required and the coverage provided, additional coverage may be needed.
Short-term disability insurance is meant to provide a stream of income during times when you are unable to earn a paycheck but don’t fit the bill for long-term or permanent disability coverage.
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Retirement Investing After the Bear
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Less Risk. Better Balance.
A new report by the Investment Company Institute (ICI) and the Employee Benefit Research Institute (EBRI) shows shifting allocations within 401(k) plan holdings.
Once burned, twice shy. That essentially describes the average retirement investor's behavior in the wake of the past decade's two bear markets, according to a new report by the Investment Company Institute (ICI) and the Employee Benefit Research Institute (EBRI).1 The report shows shifting allocations within 401(k) portfolios.
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About Us:
Located in Woodbridge, VA, Alliant Wealth Advisors was founded to help a select group of families
achieve all that is important to them financially. To achieve our mission
we use a consultative wealth management process, which includes both
investment consulting and advanced planning. Our approach assumes that
every client is unique; every client has varying needs and objectives;
and no two clients share the same risk tolerances, time horizons and
dreams. In addition to providing our expertise we work with clients'
existing advisors and, where there is a gap to fill, we use our own
outside experts in the fields of tax, legal and high-end Insurance.
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