Lifetime Wealth Portfoliossm - – A New Definition of Wealth

What do you include when asked to determine the value of your total economic wealth? If you are like most savvy investors, you probably turn to a balance sheet of financial assets such as stocks, bonds, mutual funds, real estate holdings, and retirement savings accounts to calculate your financial net worth. This traditional definition of wealth, however, is incomplete. It overlooks what may be your largest asset – your “human capital”.

Human capital is the value of all your expected future income, including your pension income and Social Security benefits. Our solution evaluates your current income, your savings rate, and your work or retirement situation to determine how large an asset human capital is for you and its affect on your overall asset allocation.

Your human capital should drive insurance selection and asset allocation decisions in pre-retirement and retirement. In pre-retirement, incorporate insurance into your asset allocation to help mitigate risk and enhance the economic value of your portfolio. In retirement, use guaranteed lifetime income* to hedge against the risk of outliving your retirement savings.

Lifetime Wealth PortfoliosSM

Lifetime Wealth PortfoliosSM is a managed account solution that provides you with all the benefits of a comprehensive investment management service, including objective and independent research, strategic asset allocation, access to an extensive universe of mutual funds, and quality insurance coverage —all tailored to your needs in a simplified approach focused on maximizing value over your entire lifetime.

Several Experts Under One Comprehensive Solution

Lifetime Wealth Portfolios marks a unique advance in wealth management by bringing together Ibbotson Associates’ pioneering expertise in human capital and risk tolerance based portfolio assignment, Morningstar Inc.’s extensive mutual fund research data, Eagle Strategies' innovative approach to insurance product selection, and rigorous investment management provided by various sub-advisers — all together to create an integrated investment and insurance strategy to help meet your financial goals. For a free Lifetime Wealth Portfolio consultation please contact me today!

*Refers to fixed annuity products. Guarantees are backed by the claims paying ability of the issuer.

Disclosure

David Boynton is an agent of and licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of AZ, CA (CA Insurance License #0A94679), CO, ID, NV, OR, TN, TX, UT, and WA. No insurance business may be conducted outside the states referenced.

David Boynton is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 2020 Main St Fl 10, Irvine, CA, 92614, 949-797-2436. In this regard, this communication is strictly intended for individuals residing in the states of AZ, CA, ID, NV, OR, UT, and WA. No offers may be made or accepted from any resident outside the specific states referenced.

David Boynton is also a Financial Adviser with Eagle Strategies LLC, a Registered Investment Adviser, and a wholly-owned subsidiary of New York Life Insurance Company, offering advisory services in the states of AZ, CA, ID, NV, OR, UT, and WA. As such, these services are strictly intended for individuals residing in the states referenced.

The Million Dollar Round Table (MDRT), The Premier Association of Financial Professionals®, is recognized globally as the standard of excellence for life insurance sales performance in the insurance and financial services industry.

Neither New York Life Insurance Company nor its agents or affiliates provide tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions.

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