Do you own any assets that are exempt from taxation, insulated from market fluctuation and growing fast enough to provide adequate future lifetime income for you or a family member?

If not, the government may tax a sizeable portion of your retirement, your stock market gains could easily evaporate in a lost decade like 2000 to 2010 and you, or your spouse, might run out of money in old age.

Many financial strategies are available for the accumulation, distribution and preservation of wealth. Good strategies seek to accomplish the following goals:

1. minimize expenses and liabilities,
2. maximize assets and income and
3. create assets that produce income with minimal expense.

These goals can be adversely impacted by taxation, market fluctuation, age penalties, withdrawal requirements and contribution limitations to name a few.