Asset and Income Protection

For many people, the ability to earn an income is their most valuable asset. Losing that ability would have a devastating effect on them and their families. For many families it would be impossible to continue the lifestyle to which they've become accustomed.

A death or disability in a family could seriously hinder the financial future of a spouse and children, if precautions were not put in place. Preparing for emergencies and tragedies can make a world of difference for a family facing the unexpected.

Life insurance, disability income insurance and long-term care insurance take into account the individual needs of each family member. This protection can minimize the financial impact of life's unexpected tragedies while providing a strong financial foundation for future growth.

Personal Needs Analysis

Financial security is often a major objective for most people. How financial security is defined varies from family to family, and from individual to individual. It even changes with life's stages.

For some people, it means having enough to send their children to the college of their choice. For others, it means being able to take vacations after they retire, or visit the grandchildren. Perhaps it means a second home on a northern lake or a southern shore, or something as basic as not having to worry about paying the bills.

Through our Personal Needs Analysis we help you identify your financial goals and objectives. We let you know where you stand relative to where you want to be, and provide you with specific risk protection and investment solutions that can help make your goals a reality.

Business Solutions

Most successful businesses are born with an idea and grow with hard work. It takes foresight and a comprehensive understanding of their ongoing needs for these businesses to outlive their founders.

The businesses that are successful, that flourish from one generation to the next, are the ones with owners who know how to solve problems. People who know when to ask for help. People who know how to hire "expertise." People who not only know what they want, but how they are going to get it.

Blauch and Associates can offer innovative solutions to help you satisfy your individual business needs. We offer exclusive access to insurance products and a wide array of quality investment choices. The products offered through our network are as diverse as the needs for protection in the business world.

Business solutions include:

• Risk Management

• Business Succession

• Employee Benefits

• Personal Needs Analysis

We understand that all businesses are not alike, and not all decisions are made in boardrooms. By working with a Financial Representative, our Financial Advisors and our network of specialists, we can bring you the level of expertise you need to be successful in your field - no matter how complex your needs might be. They must solve your most pressing problems. They also need to be comprehensive so that long-term needs are not jeopardized by short-term solutions that are put in place today.

As your financial issues evolve, we will be there to help you complete your financial picture. Reliable information and quality resources combined with a business owner's determination can go a long way toward the success of a small business.

Estate Analysis

When it comes to your estate, what's not done is often the biggest mistake made. Even people who realize the importance of providing for the future properly often have not considered the disposition of their estate. From psychological difficulties in facing one's own mortality to the more mundane problem of simply finding the time, the reasons people avoid preparing their estate are as diverse as the individuals themselves.

If you don't make your wishes known, federal and state laws dictate how property, personal items and assets are divided, with no regard to the individual's wishes. Conflicts due to family issues and legal problems often result, tying up the estate and slowing down the distribution of assets. Additional administrative expenses and taxes, which must be deducted from the estate, can also reduce its overall value.

When you know your objectives, it is easier for your attorney to prepare the documents for you. Coordination with your advisors allows you more time to take care of those things that mean the most to you. A representative will work with you to find the right combination of products and services to fit your needs.

The legacy you leave will depend on your preparation. Through careful thought, you can leave your beneficiaries the estate you always meant for them to have.

Retirement Solutions

Perhaps one of the greatest financial challenges you will face in your lifetime is preparing adequately for your retirement. Can you afford to retire? How will you fund your retirement? What unexpected events may occur before and during your retirement that can derail your plans for the future?

You will need about 60 to 80% of your pre-retirement net income to ensure the type of retirement you want. Social Security, 401(k) and pension plans will definitely play a big role, but you may need more income than they provide. Take heart in the fact that there are several solutions you may want to consider as you prepare for your retirement. Retirement Solutions includes information on preparing for retirement, an IRA overview, life insurance, and variable annuities.

You should carefully consider the investment objectives, risks, expenses and charges of the investment company before you invest. Blauch and Associates can provide you with a variable annuity contract and fund prospectus that will contain the information noted above, and other important information that you should read carefully before you invest or spend money.

Trust Services

Trust is a word we associate with terms like reliance, conviction and assurance. It is a word that has many association, but when it comes to your financial goals, trust means preserving your assets to provide a legacy for future generations.

Trust Services are provided by Wealth Management Advisors. Blauch and Associates stand ready to help people provide for the succession of businesses within families to protect the ones they love and contribute to the charitable organizations they value.

A Wealth Management Advisor can help you implement a plan that can help you preserve your wealth by reducing taxes and avoiding probate. A Wealth Management Advisor can also help you identify your goals and obtain long-term, consistent asset management.

Blauch and Associates can provide you with the professional trust administration that can enhance and help create a legacy you can be proud of.