Clear solutions in a complex world®
Russell G. Lowry
CFP®, CRPC®
Wealth Planning Advisor
Sagemark Consulting
100 Northfield Drive
Suite 200
Windsor, CT 06095

ph: 860.298.1800
fax: 860.298.1812
toll free: 888.921.8455

russell.lowry@lfg.com
Where There's a Will, There's a Way
A will is a formal legal document directing the settlement of your estate and the distribution of your assets according to your wishes. Without a will, the intestacy laws of your state will determine the course of action. Only through a formal legal will can you designate your own executor, guardians for minor children, and other fiduciaries. Even those who have shifted the majority of their assets into trusts or who use joint ownership for property should draw up a will. While these methods are designed to bypass probate (the judicial process that establishes the validity of a will), they are not able to cover all assets. A will, however, does have the potential to cover all assets, leaving no property unaccounted for and no stone unturned.

Wills are a means of providing security to you and your loved ones. The topic may be emotionally challenging, but when the many advantages are considered, they far outweigh temporary discomfort. A qualified, experienced, legal professional can help ensure your will is properly written and contributes to the overall success of your estate plan.

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The Planning Process: Retirement Planning

Financial independence during retirement is a goal that many of us desire but rarely plan for adequately. We can estimate what you need to maintain your current lifestyle at retirement. Any company-sponsored retirement plans, individual retirement accounts, savings accounts, and other sources of income are evaluated. Then, an effective, step-by-step strategy is determined, taking advantage of current tax laws and suitable investment vehicles. Creating a strategy will help set the stage for a happy, secure retirement.

Five essential steps on the road to retirement

Establish Your Objectives
Determine Your Investment Style
Evaluate Investments
Choose an Appropriate Investment Plan
Execute and Periodically Examine the Plan
Establishing your retirement plan through Lincoln Financial Advisors means maximum investment flexibility. You have the ability to select and then reposition your portfolio holdings to satisfy ever-changing personal and economic conditions. Our selection of self-directed retirement accounts includes:

Classic IRA - An account established and funded by individual contributions or an individual retirement plan transferred from another financial institution.

Rollover IRA - A retirement account funded by distributions received from an employer's qualified pension or profit-sharing plan upon termination of employment.

SEP-IRA - A retirement account established and funded by employer contributions.

Start now!

The longer you wait to create a retirement plan, the more you jeopardize your future happiness. You'll thank yourself tomorrow for what you start today.