PLEASE JOIN US AT OUR FREE PUBLIC WORKSHOPS!!! 901 Rt. 23 Pompton Plains 973-831-4424 24/7 to register! Bring a friend, bring your spouse and check out what your current options are for your money! APG is inviting you to come on in and learn! Coming up soon: NOVEMBER 18, 19 AND 20th 2 sessions each day 1:00-3:00 & 7:00-9:00 Those in attendance for all three sessions will receive an APG certificate of completion, suitable for framing! November 18th - - November 19th - - November 20th - Tuesday ● 1-3pm OR 7-9pm Examining Estate Planning & Estate Taxation Wednesday ● 1-3pm OR 7-9pm Optimizing Retirement Income & Protecting Your Money Thursday ● 1-3pm OR 7-9pm Laboring Over Long-Term Care Insurance To have, or not to have Long-Term Care Insurance, that is the question. In this session we will teach you: • The three common misconceptions of Long-Term Care and the potential ramifications of making the wrong assumptions about who, how, and where care will be provided for you as you age. • Who does and doesn’t pay the cost of Long-Term Care and what, if anything, to expect from Medicare, Medicaid, and Medigap insurance. • What specifically LTC policies cover and how to evaluate policy features, benefits, and costs. • Several alternatives to traditional Long-Term Care insurance that may be more beneficial for your situation. • How Medicare works and why Medigap plans are critical. Healthcare and Long-Term Care costs are the leading cause of financial distress for retirees. Attend this session to learn how to protect yourself and your family. Will your estate transfer quickly and issue-free to your heirs with the maximum amount possible? Learn here: • Why conflicts arise upon death and how proper estate planning can help preserve family harmony. • How to optimize your estate plan to reduce or eliminate Federal and State death taxes. • Why it might be beneficial to avoid the time, expense, and hassle of Probate and how to do so properly. • The pros and cons of Wills vs. Trusts, and which one might be best for you. • All about Trusts, how they work and how they can be used and combined to prevent costly and time consuming estate problems for your family. • How to structure your life insurance for optimal tax efficiency and passing on the maximum benefit. No matter how large or small your estate, if you want to make certain your plan is complete, optimized, and hassle-free for your family, this session will teach you how. What’s more essential to retirement happiness than having a plan for your financial security? Here you’ll learn: • Methods to assist you in reliably turning your savings (IRA’s, 401k’s, TSA’s, etc.) into the maximum income possible during retirement. • How to position your portfolio using annuities with optional riders, which can allow for stock market growth in a way that protects your retirement income should markets fall. • Techniques to protect principal while helping you guard against the major financial risks of retirement. • How today’s modern annuities work and the pros & cons of using them in your plans. • How to create a comprehensive plan that coordinates Social Security, pensions, and other income for optimal benefit. If your retirement financial goals include optimizing income, safety of principal, growth, liquidity, tax-advantages, and maintaining control of your money, attend this session! At this workshop we will teach you what we believe is essential information, techniques, and methods, you will want to know in order to effectively prepare for, and thrive throughout, your retirement years. Leave your wallet, purse and checkbooks at home as there is absolutely nothing to buy. Come join us to learn this important information in an educational setting! You’ve Worked Long Hours for Many Years! Are You Fully Prepared for a Successful Retirement? Whether you’re still working and need to develop or improve your retirement plan, or you’re already retired but want to protect and optimize your financial situation, we invite you to join us for a free comprehensive education on Retirement, Estate and Portfolio Protection Planning where we will teach you, in Layman’s terms: 1. How to know if you will have enough saved for the retirement lifestyle you desire. 2. How to know if you might be investing too conservatively or too aggressively for your retirement goals and the ramifications given current markets. 3. Plans to help protect principal, coordinate income from multiple sources, and for safely getting the maximum income possible out of your savings. 4. How to develop a comprehensive healthcare plan for retirement to help prevent medical and Long-Term Care costs from damaging or destroying your finances. 5. How to minimize or eliminate estate taxes (Federal and State), how to avoid probate, and how to preserve family wealth and harmony should something happen to you. THE TIME TO PLAN IS NOW! EDUCATION IS THE KEY TO SUCCESS! YOUR INSTRUCTOR will be Mark Charnet, CAS, President and Founder of American Prosperity Group, Retirement & Estate Planning Specialist. A Certified Annuity Specialist, Investment Advisor Representative, published author, columnist and creator of the Trinity Method of Investing©, for more than 30 years Mark has been giving his clients a different approach to increasing their current income while protecting, preserving and perpetuating their wealth to their children, grandchildren and charities of their choice. Check out his Website: 1APG. • While we strongly encourage you to attend all three days to get the maximum possible benefit, you are welcome to attend only the sessions you desire. We also recommend attending with your spouse or any others with whom you consult on important financial planning matters. And feel free to bring your friends! • There is no minimum net-worth required to attend, and no matter your age, everyone can benefit! • A free retirement & estate planning resource guide will be provided and refreshments will be served. DIRECTIONS: From Bergen County: Rt. 208N to 287S. Take Exit 52A-52B for Rt. 23 toward Riverdale/Wayne/Butler. Keep left at the fork and merge onto Rt. 23S. Travel 1.3 miles up Rt. 23S and you will see a sign for APG and Lakeland Bank with the time on it in red digital numbers. Pull into the parking lot for the 901 building and come in the front glass doors. When you walk into the building there is an elevator on the right which you can take to the 2nd floor where our office is located. From Wayne Area: Go North on Route 23, pass Circle Farms and take the next u-turn to get back on Route 23 South and then follow from above. *Licensed Financial, Insurance and Legal Professionals must identify themselves at the time of registration and fees for attending may be charged. Guarantee based on the claims paying ability of the insurance companies selected. Income for life through Annuitization or by election of specific income riders allowing access to principal and a death benefit. Products and Benefits vary by company and product type selected. Investors must consider the objectives, risks, charges and expenses of the investment company carefully before investing. A prospectus will contain this and other information about the annuity. Means to obtain a prospectus will be available and should be read carefully before investing. Securities and Advisory Services through United Planners Financial Services, a Limited Partnership. Member: FINRA, SIPC. OSJ Office: 901 Route 23 South, Pompton Plains, NJ 07444, 973-831-4424. APG and United Planners are separate and unrelated companies. This APG office is independently owned & operated. ©APG 2014.
Posted on: Tue, 11 Nov 2014 01:38:38 +0000
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