Most people are primarily concerned about the following:
- DEATH - Will their family have enough money if they die to young?
- DISABILITY - Will they and their family have enough money if they are disabled?
- RETIREMENT - Will they have adequate money to enable them to lead a comfortable retirement without fear of running out of money?
- ESTATE Planning - How can they ensure their money gets to their intended heirs and how can they minimise the impact of estate taxes and related costs?
If they own business, many of them are additionally concerned about:
- BUSINESS CONTINUATION PLANNING - Who will own and run the business and what impact will their death have on the business?
- SELECTIVE COMPENSATION PLANNING - How do you recruit, retain, and reward key people?
