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Compass F inan ce
Am I Prepared?
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Many people end up managing their finances alone at some point in
their lives. Unfortunately, the first time many of them get involved
with financial matters is during a crisis, such as a spouse’s death
or divorce. We’ve prepared a list of thought-provoking questions
that pertain to financial fitness and crisis preparedness. It will
be time well spent to review this list, determine what you have
already done, and talk with your financial advisor about any
issues that affect you and/or your family.
Asset Management: Do I have a clear picture of where my assets
are located? Will my retirement assets provide a comfortable
and secure retirement for my life expectancy? Do I have a well-
diversified portfolio? Are my investments appropriate in today’s
economy? Are my assets titled properly? Do I have an emergency
fund? Am I taking advantage of techniques to reduce my taxes?
Estate Planning: Do I have a will? Is it current? Have I determined
what I will owe in estate taxes? Have I funded my estate-tax
liability? Have I explored and taken advantage of wealth-transfer
techniques? Do I wish to provide for charitable giving? Are my
power of attorney and my living will up to date?
Debt Management: Do I know my credit rating? Could I get a
loan if I applied?
Medical & Insurance Planning: Do I have enough insurance
coverage to cover medical expenses? To provide for disability
and long-term care? To provide for family members’ security? To
fund estate-tax liability?
And... Have I coordinated my advisors’ (attorney, CPA, banker)
activities? What changes in my life are likely to occur within the
next three years? Do I know the status of my parents’ financial
situation and the implications for my financial well-being? Would
I be prepared for a family emergency if it happened tomorrow?
F. is Senior Vice
› and Agustin Financial “Tim” Advisor Enriquez for Wachovia Securities President in Coral of Investments The
accuracy and completeness of this article are not guaranteed. The
opinions expressed are those of the author and are not necessarily
those of Wachovia Securities or its affiliates. You can contact Tim at
305.529.5954 or Augstin.Enriquez@WachoviaSec.com.
12 “Try not to be a man of success,
but rather to be a man of value.”
— Albert Einstein
26 key biscayne magazine
57% The total number of
handshakes analyzed in
the book The Power of
Term inspired by the movie Office
Space in which a co-worker looses
his cool upon learning someone has
“borrowed” supplies from his desk.
Total percentage of people
who use IM at work for
personal reasons, according to
a survey by The META Group.