Executive Summary: 1. Concentrated stock / position. 2. College expenses. 3. Death – premature – sickness – accident. 4. Disability Income (Insurance) 5. Diversification – inadequate. 6. Divorce – self – children – grandchildren? 7. Downsizing. 8. Drivers – teenagers – liability. 9. Estate documents complete - up-to-date. 10. Estate distribution not as wanted. 11. Estate plan not optimized – paying unnecessary taxes. 12. Estate taxes liquidity available to pay – avoid forced sale. 13. Health insurance, 14. Homeowners insurance. 15. Illiquid assets. (Art, jewelry,) 16. Long Term Care. 17. Pension. 18. Privately owned business. 19. Real estate - rental - commercial. 20. Second marriage – yours – mine – ours. 21. Social Security. 22. "Toys" (planes, boats etc.) sufficient insurance including umbrella Liability,
Investments in securities do not offer a fixed rate of return. Principal, yield and/or share price will fluctuate with changes in market conditions and, when sold or redeemed, you may receive more or less than originally invested. No system or financial planning strategy can guarantee future results.
Diversification does not assure a profit or protect against loss in a declining market.
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