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News & Articles
October 1, 2008
Recent FBI data indicate residential robberies have risen some 13 percent over recent years, even as the overall number of violent crimes has decreased. Last year alone, 64,000 residential robberies were reported nationwide. High-profile individuals, including prominent social, sports and business figures, have been among the victims. However, many never report incursions because they are reluctant to highlight their vulnerability to breaches in personal security. Read full article
October 1, 2006
In the Bay Area, nearly 111,600 out of 2.5 million households had a net worth of at least $1 million or more in 2005, excluding the value of their homes, according to a new study.
Over the next five years, that total is expected to jump by nearly 53 percent, while the population is expected to grow by only 20 percent. Read full article
Among the many consequences of 9/11 is a heightened awareness of the need for individual estate and financial planning. The tragic events of that day brought home both the unpredictability of life and the realization that many, perhaps most, people are woefully unprepared for a sudden disaster and the effects it can have on their families. Read full article
April 1, 2006
Most luxury home security systems are high tech, but few are high style. An exclusive set of home owners have taken their home protection devices from boring to Bond with the installation of silent, fullyautomated hidden passageways that conceal valuables and panic rooms. These custom features provide discreet security, attractive design and added value. Read full article
October 1, 2004
Josie McGann, R.N. Genworth Financial
Whether you’re “springing forward” or “falling back” the clock is always ticking. So when you fall back this year, take some of those extra minutes to consider long term care insurance to help protect the things you’ve worked a lifetime to build. Many people are unaware that uninsured long term care expenses can pose a significant risk to the assets they’ve labored a lifetime to accumulate. As former Senator David Durenberger told the United States Senate Special Committee on Aging, “Although the need for health insurance to cover a patient’s medical expenses in case of catastrophic illness is widely recognized, few people are insured against the costs of providing long term support services for that same person. Read full article
July 1, 2004
Michael Coholan, Principal, Hilltop Advisors LLC
In partnership with Fort Point Insurance Services, Hilltop Advisors, LLC, provides a consultative approach to understanding how life insurance is used in advanced financial advising.
The majority of life insurance is purchased for basic continuity of lifestyle purposes. Our clients, who are insured adequately, have peace of mind. They know that they will be able to stay in their home, send their children to college and not have to find new sources of income in the event of an untimely death. Read full article
April 1, 2004
By Judy Barber, Family Money Consultants
In the last issue of Straight to the Point, readers learned how to pass on a family’s legacy to the next generation by insuring collectibles such as art, jewelry, crystal, antiques, and silver. However, after insuring one’s valuables, the older generation must then provide a method for distributing cherished objects and supplying guidelines for who gets what after they’ve passed away. It’s rarely easy to think about what will happen after we’re gone to objects that have brought us esthetic pleasure; the process can be complex and painful. Yet, without estate planning, the next generation may be left to guess and interpret its parents’ wishes, and in doing so, may be vulnerable to family riffs and tainted long-term relationships. Below is an example of one family’s struggles: Read full article
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