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Success S av v y Money Bags M any people end up managing their finances alone at some point in their lives. Unfortunately, the first time most of us get involved with financial matters is during a crisis. Below we’ve prepared a list of thought-provoking questions that will prepare you for anything destiny throws your way: 1. Asset Management: Do I have a clear picture of where my assets are? Will my assets provide a secure retirement? Do I have a well-diversified portfolio? Are my investments appropriate in today’s economy? Do I have an emergency fund? 2. Estate Planning: Do I have a current will? Have I determined what I will owe in estate taxes? Have I funded my estate-tax liability? Have I taken advantage of wealth-transfer techniques? Do I wish to provide for charitable giving? 3. Medical & Insurance Planning: Do I have enough insurance coverage to cover medical expenses? To provide for disability/long-term care? To provide for family members’ security? To fund estate-tax liability? 4. And... Have I coordinated my advisors’ activities? What changes are likely to occur within the next three years? Do I know the status of my parents’ financial situation? Would I be prepared for an emergency if it happened tomorrow? Agustin “Tim” F. Enriquez is Sr. VP of Investments and a Financial Advisor for Wachovia Securities in Coral Gables. The accuracy of this article is not guaranteed. The opinions expressed are those of the author and not those of Wachovia Securities or its affiliates. You can contact Tim Enriquez at 305.529.5954 or Agustin.Enriquez@WachoviaSec.com. Biz Reads Flip through these expert books to take your career to the next level and crush the competition faster than you ever imagined possible — and with more ease than you might think. 18 brickell magazine Sophisticated Sips When the sun sets and you’re ready to network all night any day of the week, no place lifts your spirits like Blue Martini at Mary Brickell Village. This suave lounge features 25 superior martinis on the menu. The most popular libation on weekends and during weekday happy hours is their signature martini with the venue’s namesake that features a buzz-inducing mix of Finlandia Vodka, Citronge, Blue Curacao, Sour Mix and Orange Juice served in an oversized snifter over ice with a blue glowstick — which of course you can take home with you long after the party’s over. Tough Talk It’s always a good idea to take the best and make it better, especially when it comes to your cell phone, and the MOTO Z9 does just that while bordering on indestructible. Featuring the looks of a RAZR with the luxury of a slider, this mobile is not only sleek, it’s also designed strong with chemically hardened glass, vacuumized metal and stainless-steel construction, meaning you can take it almost anywhere, under any circumstances without worrying about it breaking when you need it most. Get one for $249.99 at ATT.com. The Ruthless Entrepreneur by Mark McClure The rules of Winning by Jack Welch Word of Mouth Martketing by Andy Sernovitz Learn how to get more clients and close more deals by following a simple system that will increase profits instantly. A favorite of CEOs around the globe, this book will teach you how to be at the top of your game in and out of the office. Create the buzz of a lifetime and get the right people talking with this collection of effective publicity tips from top professionals.