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AFA

Stay up-to-date with all the latest news and events from American Financial Advisors. Here you can download AFA’s quarterly newsletters, listen into our video and audio conference calls, or get additional insight with our expert videos. As a valued client you have access to all the information you need from today, or you can follow the trends by visiting yesterday’s archives.

Financial Planning for Airline Pilots

Airline Pilots are a unique group of professionals who require specific and disciplined financial planning guidance. Their careers generally follow a specific “flight plan” and retirement preparation should start as early as possible. Pilots deal with a mandatory retirement age, face medical issues that could end their flying career, and have been severely affected by corporate bankruptcy filings and the loss of pension plans.

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Putting your financial house in order.

The floods in Texas and fires in Canada should make us all take a moment to think about what we would grab if we had to evacuate our homes in a hurry. We’d want our kids, the pets, our family photographs – but what about our important documents? People who sail or are familiar with boating safety know that every smart skipper has a “ditch bag” – a waterproof duffle bag filled with essentials to throw in the life raft if the boat sinks. It might contain a satellite phone, rations, water, medicine, mirrors to use to signal rescuers, flares, GPS, survival blankets, foul-weather gear,

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The Benefits of a Balanced Portfolio

Like putting all of your eggs in one basket, allocating the bulk of your investments to any single asset class can be dangerous. Investors who diversify their portfolios can mitigate risk and limit the impact of market volatility on their assets.

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Estate Planning Basics: Do You Have A Will?

Death is a scary topic. So scary that people avoid talking about it or anything pertaining to it at all costs. So scary that 64 percent of Americans don’t have a will. Without a will, you are relinquishing to the state your right to determine what happens to your assets and liabilities, which is known as dying intestate. Each state has its guidelines on dividing assets and liabilities should an individual not have a will. A will legally secures the division of your assets and liabilities and is the best way to ensure all of your wishes are carried out as you deem appropriate. Who Needs A

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3 Benefits Of Working With A Local Financial Advisor

Your relationship with your financial advisor is one of the most personal relationships you will have in your life. Not only will you share your net worth, retirement plan and estate plan with your certified financial advisor — but you will also share your personal goals and some cases your financial dreams. Most, if not all, of these topics are considered extremely private as they are items you may not even disclose to your closest friends. Keeping this in mind, your relationship with your financial advisor should be a close one. And while technology allows you to connect with anyone in the

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13 Questions Investors Should Ask Before Choosing A Financial Advisor

Think Agency

The Department of Labor (DOL) recently issued new rules requiring investment professionals (brokers, registered representatives and financial advisors) to act as fiduciaries when managing client retirement accounts. This specifically pertains to the advice given to those transferring 401(k) plan assets into an Individual Retirement Account (IRA).Previously, while your 401(k) was protected by ERISA (The Employee Retirement Income Security Act of 1974) regulations, your IRA was not. The new rules provide additional protection to your Rollover IRA by applying the fiduciary standard to the advice

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The Top 10 Terms New Investors Should Know

Think Agency

Money management is a most necessary life skill and there are 10 terms you should be familiar with before you begin a personal investment plan. Some are actual financial-world terms and others fall under the category of common sense and good advice. Every term is equally important so they are presented in alphabetical order. Read them, know them and use them as the basis of your personal investment journey. Asset Allocation The more risk you take opens you up to bigger potential gains or losses. A document called an Investment Policy Statement (IPS) can establish how you guide the allocati

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A Broker Or A Fiduciary? Which Is The Best Choice For You?

Wealth management is so important to maintaining financial stability. But for many, the financial world is a mysterious maze filled with confusing regulations and complicated language. Those who enter this maze without trustworthy and experienced advice put their wealth at extreme risk. There are numerous companies that claim to have expertise in managing your assets, but few back up that assertion with transparent methods of operation. Some, in truth, are more interested in directing your money into investments that will earn them the highest commission as opposed to earning you the best ret

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Planning For Healthcare In Your Retirement Years

Think Agency

After years of hard work, retirement is right around the corner. The house, cars, and children’s education are all paid off. You are in good health and all there is left to worry about is your next big vacation. Or so you think. While all of your financial goals appear to be checked off, one major component of a well-planned retirement is a financial checkup. A financial checkup is necessary to ensure you will be able to afford your doctor visits and additional healthcare needs long after you are retired. Paying for healthcare is one of the biggest challenges you will face in retirement —

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Important Changes in Social Security Filing Strategies

By Markus Bras, CFP ®, MBA; Director of Pilot Services, American Financial Advisors, Inc. Two frequently used Social Security filing strategies (“File and Suspend” and “Restricted Application”) will change. The “File and Suspend” option will be available until April 2016, while the “Restricted Application” will be eliminated for anyone born in 1954 or later. A review of the basic Social Security terms and filing strategies is important when discussing these Social Security changes. It is necessary to note that the anticipated changes have not been finalized yet by the Social

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Financial Resolutions for 2016

By Markus Bras, CFP ®, MBA; Director of Pilot Services, American Financial Advisors, Inc.Most New Year’s resolutions concern health and family issues. Nearly all of us, including myself, could eat and live healthier, lose a few pounds, exercise more and devote more time to our family.Additionally, we hope you use the start of the New Year to address some, or all, of the financial planning issues discussed below. We encourage you to discuss these financial planning topics with your spouse and/or other family members. Waiting for a significant life event to happen before starting to address t

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Portfolio Discipline During Financial And Economic Uncertainty

By Markus Bras, CFP ®, MBA; Director of Pilot Services, American Financial Advisors, Inc. Once again, we are dealing with uncertainty in the financial markets. During these times it is extremely important to maintain discipline and follow the guidance of the Investment Policy Statement (IPS). This IPS might have been set up when the financial markets were calm and rising, but we were already focused on the possibilities of declining and more volatile markets. We prepare for these markets ahead of time, so that you will be able to maintain discipline when the events actually occur. This is so

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