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Wealth Management

There is no one secret to accumulating wealth 

It takes careful study, steely resolve and a clear understanding of your personal tolerance for safety or risk. Your AIG Financial Network professional can analyze your portfolio and objectives to create a strategy that is tailored for your situation.

Frequently Asked Questions

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What does wealth mean to you? What are your circumstances and opportunities? There’s no one-size-fits-all formula. But we can help you build a strategy that works for you.

Wealth isn’t just for retirement anymore. Near-term goals, such as college, starting a business or buying that vacation home on the lake, also require the ability to accumulate and access wealth. We can show you how to build and fund a wealth strategy that will help achieve your goals, now and in the future.

As a general rule, you should review your will every five years. In addition, certain life events should trigger an update – including marriage, childbirth, divorce and the death of a spouse.

Without a will, the court will decide how to distribute your assets to your family. Your personal wishes will not be considered, and it’s likely that your estate will be reduced by unnecessary costs and often avoidable taxes. Don’t put it off. A will is something you may need.

A Durable Power of Attorney can prevent forced or expensive guardianship if you become incapacitated. A Living Will enables to you provide instructions about life supports, should you suffer an incurable disease. A Health Care Power of Attorney empowers a loved one to make healthcare decisions on your behalf if you aren’t able. A Living Trust generally avoids the public probate process and expense.

Leaving assets to special needs children could disqualify them from receiving government benefits, such as Medicaid, Supplemental Social Security Income or Social Security Disability Income Insurance. One potential solution is to leave the assets to a Special Needs Trust for the benefit of the child. Structured properly, this trust can enable the child to qualify for government benefits.

Through philanthropic planning, it’s possible to optimize the benefits of charitable giving for yourself, your family and your favorite charities. We can work with you to develop a strategy that may save taxes, while helping to maximize the value of your gift.

Taxes can significantly impact the accumulation of wealth. Since it’s impossible to predict what tax rates will be in the future, a growth strategy built around tax diversification may be appropriate – with assets split among taxable, tax-deferred and tax-free vehicles.

Key Wealth Management Considerations

Liquidity

Help ensure adequate cash and income are available to satisfy current needs and fund new investments.

Impact of Taxes

Whenever possible, use tax-advantaged strategies to optimize both wealth accumulation and transfer.

Future Generations

Create an efficient plan to help secure the future of your heirs and future generations.

Charitable Legacy

Imagine the pleasure of funding your favorite charity or cause. A number of tax-efficient vehicles are available.

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Important Consumer Disclosures


All investments carry risk, including loss of principal. No investment can guarantee a profit or protect against loss. Guarantees provided through insurance products are based on the claims paying ability of the issuer.

Universal Life Insurance is a type of flexible permanent life insurance offering affordable protection of term life insurance as well as a savings element (like whole life insurance) which is invested to provide a cash value buildup. An indexed universal life insurance policy gives the policy holder the opportunity to allocate cash value amounts to either a fixed account or an equity index account. Indexed policies offer a variety of popular indexes to choose from, such as the S&P 500 and the Nasdaq 100.

Before investing, you should carefully consider your need for life insurance coverage and the charges and expenses of the variable universal life insurance policy. You should also consider the investment objectives, risks, fees, and charges of each underlying variable investment option. This and other information is contained in the prospectuses for the variable universal life insurance policy and the underlying variable investment options. You may obtain these prospectuses by calling your agent/registered representative and should read them carefully before investing.

AIG Financial Network includes the employee agents of American General Life Insurance Company (AGL), a member of American International Group, Inc. (AIG). Policies and annuities are issued by AGL, which is responsible for financial obligations of insurance products. Policy Form Numbers: ICC14-14523, 14523, ICC12 AGLA 12UGC, AGLA 12UGC, ICC14-14579, 14579, ICC14-14888, 14888. Guarantees are backed by the claims-paying ability of the issuing insurance company. All are member companies of AIG. All companies mentioned, their financial professionals and other representatives are not authorized to give legal, tax or accounting advice. For advice concerning your individual circumstances, consult your professional attorney, tax advisor or accountant.

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