M Advisor E-Bulletin

This month's E-Bulletin:

Safeguarding Your Nest Egg

Using life insurance and long term care insurance to protect your nest egg, is the basis of a strong financial plan. However, “many American workers, especially those nearing retirement, often forget about life insurance and long term care coverage,” according to the article, Protecting the egg: Employees need life and long-term care insurance to safeguard retirement assets, Lydell C. Bridgeford, Employee Benefit News • January 200. Learn more about how long term care and life insurance can help protect your retirement assets, by reading the full article at http://www.benefitnews.com/supplemental/detail.cfm?id=9938.

Previous E-Bulletins:

Work Intensification and Worker Shortages (Part 2 of 2)

The skilled worker shortage is lurking and the majority of US companies are just becoming aware of the trend. Few are starting to prepare. For more information about the work intensification, the shrinking workforce trend and ways to prepare, read the full article at http://www.benefitnews.com/pfv.cfm?id=9735.

Work Intensification and Worker Shortages (Part 1 of 2)

Work Intensification means trying to get more work out of fewer employees. Demographic trends such as aging baby boomers and a shortage of younger, skilled entry level workers are helping to fuel the trend. Work Intensification can lead to worker attrition so companies need to start developing strong recruitment and retention strategies. Read more at http://www.benefitnews.com/detail.cfm?id=9599&terms=|work||intensification|.

Life Insurance - Term vs. Perm

What are the benefits and drawbacks of term vs. permanent life insurance? Print out and view the comparison at http://www.madvisory.com/Resources/MonthlyNewsletters/ExecutiveBenefits/termperm.pdf.

Pension Protection Act of 2006

The Pension Protection Act of 2006 (PPA) was signed into law on August 17, 2006. This legislation has significant implications for companies who purchase employer owned life insurance and has brought about the most significant changes in pension plan legislation since ERISA (Employee Retirement Income Security Act of 1974). Pacific Life offers an online booklet which provides a good overview of PPA. All employers offering employer owned life insurance and/or a pension plan should read this in addition to seeking the advice of an expert, http://www.sponsorportal.com/content/content.cfm?custno=E6DCFAC6-AE6C-459D-9A93-25DACD2B7DF8&product=EDUPL.

Turning Life Insurance Into Cash

A more lucrative alternative to cashing in a life insurance policy for the cash surrender value often is life settlement, which can yield a greater cash amount. Those who are over 65, have experienced a change in health and are insured by a policy over $100,000 are good candidates. For more information about life settlement read the full article at http://www.aicpa.org/pubs/jofa/sep2005/warring.htm.

Planning for the three "D's"

Death, disability and disagreement are the typical situations in which a business interest is transferred due to unplanned circumstances. Effective business succession planning is the key to a smooth transition in the event of unplanned circumstances. For more information about business succession planning read the full article at http://www.madvisory.com/Resources/MonthlyNewsletters/ExecutiveBenefits/threeDs.pdf

Business Succession Planning

The death of a business partner can have adverse effects on your firm. Irvine based Haskell & White is a great example of a successful firm that took business succession planning seriously. To learn more about the business succession plan strategies Haskell & White used and additional business succession planning tips and resources, read the full article at http://www.madvisory.com/Resources/MonthlyNewsletters/ExecutiveBenefits/continuation.pdf

De-Taxification

The impact of estate taxes can be significantly reduced through life insurance. Although life insurance is a product that many of us do not like to think about, it has many benefits when it comes to estate planning. To find out more, read the full article at http://www.madvisory.com/Resources/MonthlyNewsletters/ExecutiveBenefits/detaxification.pdf

Significant Changes to Non-Qualified Deferred Compensation Plans

The American Jobs Creation Act (AJCA), signed into law by President Bush on Oct 22, 2004 has substantial rulings relating to non-qualified deferred compensation plans (Section 409A). As such, it is important that plan sponsors understand the changes and how those changes affect their plan participants. To find out more, read the full article at http://www.madvisory.com/Resources/MonthlyNewsletters/ExecutiveBenefits/409a.pdf

Disability Gap: Discrimination among Highly Compensated Executives

Many executives assume their company Group Disability plan will adequately cover them. However, under closer scrutiny, these highly compensated individuals may be surprised to learn that in the event of a disability, the benefits they would receive under their company’s Group Disability plan is woefully inadequate. To find out more, read the full article at http://www.madvisory.com/Resources/MonthlyNewsletters/ExecutiveBenefits/businsider.pdf.

Disability Disconnect

Recent workplace trends point to an opportunity for companies to step up to the plate. While many companies are cutting down on their disability coverage, the need for disability insurance is increasing, due to an aging workforce coupled with an obesity problem. Read more about recent trends in disability benefits at http://www.benefitnews.com/pfvcfm?id=8060.

Safeguarding Your Company Part 2

As a business owner, you have worked a lifetime to build a successful business. If your partner dies unexpectedly, the future of your business could take an unexpected turn. Proper planning thorough a Buy-Sell agreement can eliminate that risk. For an overview of what Buy-Sell agreement are and associated benefits and concerns, read the full article at http://www.madvisory.com/Resources/MonthlyNewsletters/ExecutiveBenefits/bs.pdf

Safeguarding Your Company Part 1

If you have key employees who are critical to the success of your business, you should consider keyperson insurance. For an overview of what keyperson insurance is and the benefits and concerns of keyperson insurance to a company, read the full article at http://www.madvisory.com/Resources/MonthlyNewsletters/ExecutiveBenefits/kp.pdf.

Long-Term Care Insurance

We live longer lives thanks to medical science, so the possibility of needing long-term care has increased. As such, long-term care insurance should be an important component of your insurance portfolio. Understand what you should look for in long-term care insurance by reading the full article at http://www.madvisory.com/Resources/MonthlyNewsletters/ExecutiveBenefits/ltc.pdf.

M Advisory Group is presently licensed to sell traditional life insurance in the following states: AZ, CA (#0319876), CT, FL, IL, MD, MI, MN, NH, NM, NJ, NV, OR, RI, VT, VA, and WA. Insurance services are limited to residents of the above listed states. Residents of other states should consult with a local agent for insurance service.

Variable life and annuity products, as well as other securities products, may be sold in the following states: AZ, CA, CO, CT, FL, GA, HI, IL, NJ, OR, PA, TX, and WA. Residents of other states should consult with a local registered representative for securities products.

Securities and Investment Advisory Services Offered Through M Holdings Securities, Inc., a Registered Broker/Dealer and Investment Adviser, Member FINRA/SIPC. M Advisory Group is independently owned and operated.

M Advisory Group is a member of M Financial Group. Please go to mfin.com/DisclosureStatement for further details regarding this relationship.

This material is intended for informational purposes only and should not be construed as legal or tax advice and is not intended to replace the advice of a qualified attorney, tax advisor or plan provider.