American Prosperity Group

  American Prosperity Group
of Exton, Pennsylvania

Stewart I. Jaffe
Retirement & Estate
Planning Specialist


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Thank you for visiting APG of Exton, PA.  As is true with all APG Representatives, my practice is exclusively focused on retirement, estate, and long-term care planning.  My single purpose is to educate you on what I consider one of the best retirement and estate planning strategies available in the industry today, and then develop and implement financial plans and programs that allow you to safely grow and protect your hard-earned savings, as well as turn those savings into a reliable income stream for the rest of your life when you retire.  In addition, we'll work closely together to develop comprehensive estate plans that will efficiently transfer your estate to your heirs in a manner that satisfies your wishes, saves time, reduces costs, minimizes taxes and maximizes the size of the estate that you ultimately pass on to the family members and/or charities of your choice.

Do you have a relationship with a retirement planning professional, an expert in the fields of retirement, estate planning and long-term-care?  If not, why not?  Could it be you feel that it’s too expensive or that your portfolio or estate isn’t large enough?  Not any more!  Finally an opportunity exists to establish a relationship with an expert in the areas of retirement and estate planning that can help you prepare for your financial future with no minimum net-worth requirement and never any fees for our consultations!  Instead, we provide you unlimited, free consultations where we get to know you and your unique circumstances.  We will share ideas and information with you and, after making recommendations and discussing:

  • The positive attributes and negative characteristics of any investment product discussed
  • All fees, expenses, or charges for acquisition, on-going maintenance and surrender
  • A comparison to the plans and programs already implemented or contemplated by you

We will then deliver the brochures and/or prospectuses to you (if applicable) of any products mentioned during this meeting for further study and research. You will then have ample time to decide if your APG Representative's recommendations make sense, and when you are comfortable we will implement these plans and programs where appropriate that we believe represents major upgrades to your existing retirement and estate plans.

Preparing for or living in retirement can often be a stressful and uncertain time.  My ultimate mission is to create peace of mind and confidence for my clients, and to become their financial friend and trusted advisor for life.

Please take some time to explore this website for more information on my services and to take advantage of the valuable free educational resources available in our "Learning Center".  In addition, you will not want to miss one of my live educational workshops so please take a look at our upcoming workshop schedule.

Once you've spent some time learning about APG and what we do, I welcome you to contact me so we can develop and put into action a comprehensive plan that is customized to your unique situation, circumstances, goals and desires.

This APG office is independently owned and operated.
Calculators

LTCI Cost of Waiting

Estimate the potential cost of waiting to purchase a long-term care insurance policy.

Long-Term Care Self Insurance

Will you be able to afford nursing home care?

College Funding

Use this calculator to estimate the cost of your child’s education, based on the variables you input.

Federal Income Tax

This calculator can help you estimate your annual federal income tax liability.

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Newsletters

Be Ready for a Change in Interest Rates

Fluctuating interest rates can be challenging for bond investors who want to reinvest their principal. When rates are low, they may have to accept lower yields; when rates rise when principal is tied up, they may not be able to benefit. One strategy to help manage reinvestment risk is to build a bond ladder.

Evaluating Life Insurance Needs

It's a good idea for people to evaluate their life insurance coverage to help ensure it keeps pace with their needs. Not only do major life events affect the amount of coverage that may be needed, but inflation can reduce the purchasing power of the death benefit and a greater benefit may be needed to cover estate taxes and other debts.

Favorable Dividend and Capital Gains Tax Rates Extended—for Now

The 2010 Tax Relief Act extended the 15% maximum tax rates on qualified dividends and long-term capital gains through December 31, 2012. But without further legislation, dividends will be taxed at ordinary income tax rates and capital gains tax rates will return to 20% (23.8% for investors in the two highest tax brackets) in 2013.

Building a Business Versus Building Wealth

The market for small businesses has been less than ideal over the past few years. Thus a business owner's efforts to build a successful business may not always translate to an increase in personal wealth. One way to insulate a business owner's personal financial situation from the fluctuating small-business market is by investing outside the company.

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