What is a College Financial Aid Consultant?

Financial aid consultants do not work for a school or goverment agency; instead, they have an allegiance only to the family they are working for. The financial aid consultant is a professional planner who is trained to provide the family with the best possible solutions to their financial aid problems. They present strategies designed to minimize the "Expect Family Contribution" and at the same time, qualify the family for the maximum amount of aid possible. With rising college costs consistently oupacing inflation, the family should gain positive and worthwhile benfits from the services of an experienced professional financial aid consultant.

As professional financial aid consultants, we utilize only lawful methods to minimize the financial impact of expensive college costs on the family's resources. We are in compliance with the U.S. Department of Education regulations and we strictly adhere to all goverment regulations and requirements.

Not understanding the financial assistance offered today from all the various sources could be costing your family thousands of dollars and a better education for your student.

With proper financial planning, a student can often attend an expensive private college for about the same cost as a state college. The earlier you start your planning program, the better prepared you will be to voer the costs when your student enters college.

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The Value of Life Settlements

A life settlement is simply the sale of an existing life insurance policy by a terminally ill or elderly person to anohter party. The price of the policy is negotiated and sold by the owner at a discount to the face amount. The purchaser then collects the full amount of the policy when the insured person is deceased.

Life settlements are similar in nature to a zero-coupon bond. Policies are purchased at a discount to their face value. These discounts fall into general brackets according to the life expectancy of the insured, but will vary slightly based on invidual policy features and market conditions for the policy.

Yield is computed from the difference between the cost basis (including any premiums paid) and the amount paid out under the policy upon the demise of the insured. An annualized return on investment may be derived from this yield by adjusting it for the holding period of the investment.

The acquistion cost includes all fees and costs associated with the transaction as well as an amount for the payment of premiums during the maximum life expectancy of the insured. In the event the escrow is depleted before the demise of the insured, the purchaser is responsible for replenishing the account to the extent of the owner's interest in the policy.

All transactions are regulated by the Texas Department of Insurance and are closed through an independent trust company regulated by the Texas Department of Banking.

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Where will Retirement Take You?

Before and during your retirement, you plan "trips" to different places. Vaction destinations. A path to more time with friends and family. A second career, volunteer pursuits, or special interests. Whatever your plans, mapping your route to retirement satisfaction means stopping at the right places to ensure your savings won't run out of "gas" before you reach your destination.

Research shows that the road to retirement satisfaction is paved with good health and financial well-being. In particular, retirees who finance their retirement with annuities tend to maintain higher levels of satisfaction over time than those drawing income from liquid savings.

Interest-Crediting Strategies

You can choose from among four interest-crediting strategies. Each strategy credits interest to your annuity differently. You can elect more than one strategy, and re-elections of strategies are allowed during the 30 days following each contract anniversary.

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