Advocate Lake Highlands (October 2009) : Page 13
ADVERTISINGSUPPLEMENT LOVING Life! By Janet Elaine Fresquez I THOUGHT LONG AND HARD about what to say in my first foray into the Advocate. I’ve read and enjoyed it formany years and want tomake a good contribution to my neighborhoodmag. I guess I could say how long we’ve lived, loved, cried and had fun in LakeHighlands starting with our first house over on Yorkford when our two kids attendedWallace. October reminds me of pumpkins and trick-or-treating up and down those streets with all the neighborhood kids. There was one street that had the yard decorated like a funeral home and it even had a casket complete with a very real-looking dead person who would wake up and scare you when you got too close! And then there are always the pumpkins in the Church yard on Audelia. Autumn always meant Lake HighlandsHigh School football games when our son played in the band and when our daughter was cheerleader for the JuniorHigh and Freshman Center. October is when the leaves turn shades of color, the weather (hopefully) gets cooler and the changing season is upon us. My husband and I are official “empty nesters” but are fortunate that our children still love to spend time with MomandDad. October equals change, and change is good. WE ALL EXPERIENCE CHANGE in our lives, a crossroads so-to-speak. The last couple of years have seen great changes in my life as I closed the chapter on a 16 year passion and career in the filmindustry and dove head first into a new love and passion as a Life Insurance Advisor. I love Life Insurance and what it can do for people and businesses and I want to share that with my neighbors and local businesses. The Advocate seemed a great way to reach out to those around me and share this love that I have and since September was Life Insurance Awareness Month,October seemed the perfect time to dive in. THE NEXT STEP was to give my column a name. Inspiration came fromamantra during a long week-end inMiami on a Mother/Daughter trip. One of the girls, Zoe, kept saying, “I’mloving life right now…”, and by the end of the trip, whether we were on the beach, at a restaurant, walking in South Beach, shopping, you name it - we were all, “LOVING LIFE”! IT CLICKED! Loving Life, that’s what I’ll call my column. Because I amloving life right now in our wonderful neighborhood, change is in the Autumn air and possibilities abound. Imay not write feature length scripts or direct and edit short films andmusic videos anymore, but I can share my love of all things Life Insurance, keep writing, and help business owners, neighbors and friends get an advantage and a safety net. I hope that all of you will email me with any questions youmay have about life insurance, disability and long term care insurance, wealth accumulation, estate planning and business planning… And also, how you are Loving Life in LakeHighlands! Here is a question I received froma friend last week about retirement planning: Dear Janet, My wife and I are in our 40’s and have some friends who retired last year just when their 401K was cut in half and a portfolio that had been reduced by 40%. Talk about bad timing! How can I sleep better at night without this uneasy feeling thatmy retirement planmay be built on sand? Imean, if themarket goes up and I have gains for a fewmore years, what will happen if themarket corrects just as I’mabout to retire? What if everything I’ve worked hard to accumulate is suddenly, like the house built on sand, wiped out? Sleepless in Lake Highlands DEAR SLEEPLESS IN LAKE HIGHLANDS, Fortunately, there is a strategy that can not only help you address those questions, but also help ensure that the assets you’re accumulating for the future won’t be washed away should the flood waters actually come. That strategy is life insurance. As a component of your savings and investment strategy, life insurance can help you accumulate, protect and preserve your assets; pass your assets on to your heirs privately and tax efficiently; and accomplish a wide range of charitable and estate preservation goals. IF YOU’RE STILL SAVING for retirement, adding life insurance to your overall investment strategy can give you the freedomto invest in other assets more aggressively.Why? Because life insurance cash values accumulate income-tax deferred, and as they accumulate, they can function as the conservative portion of your investment portfolio. At retirement, you can borrow from your policy on a tax-favored basis to supplement other sources of income. As a result, youmay be able to continue growing your investment portfolio and youmay be able to postpone drawing Social Security past your normal retirement age, allowing you to increase the amount you ultimately draw on a monthly basis. Finally, youmay not have to repay the money you borrow from your policy but this should be done with proper planning because loans and other policy withdrawals will adversely impact cash values and death benefits. THERE AREMANY WAYS to integrate life insurance into your overall investment strategy. The simplest waymight be to start allocating a portion of the assets you are already investing into a policy appropriate for your circumstances and objectives. By adding a life insurance component to your asset accumulation strategy today, you can establish an instant reservoir of funds which can self complete your savings programshould you die prematurely; you can help ensure that market volatility or unforeseen world events won’t wipe out everything you’ve built over the years; and you can achieve a variety of both charitable and estate preservation objectives and hopefully sleep a little better at night. JANET ELAINE FRESQUEZ is a Life Insurance Advisor with Ayres FinancialGroup inDallas, Texas and is a registered representative with Horner, Townsend and Kent (HTK). She and her husband, Rick, have been married for 28 years and have lived in LakeHighlands since 1992 with their two children and two dogs. For questions and comments: Fresquez.firstname.lastname@example.org A9JC-0908-11
Janet Elaine Fresquez
I THOUGHT LONG AND HARD about what to say in my first foray into the Advocate.
Read the full article at http://www.virtualonlineeditions.com/article/Loving+Life%21/233745/23595/article.html.