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Success S av v y
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.
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