A.T. Financial Newsletter
The end of another year is an ideal time to look back and reflect on the progress you’ve made towards your personal and financial goals.

It's also a great time to revisit your overall plan. Have your needs changed in the past 12 months? Have you expanded - or are you planning to expand - your family? Perhaps you’ve gotten married.

Changes like these can affect your financial plan, which is why it's so important for us to stay in touch and stay up-to-date. So give us a call. We'd love to hear what you've been up to.
Putting your trust in insurance
and your insurance in trust
Picture this: You and your partner have a young family. Wanting to protect your children, you've purchased life insurance on both your lives. You are the beneficiary of your spouse's policy, and he or she is the beneficiary of yours.

So… you have all the protection for your children that you need, right? Unfortunately, maybe not. What would happen if you and your spouse died in the same mishap or within a very short time of each other?

Minor beneficiaries
You could name your children as secondary or contingent beneficiaries, but if they were still minors, the policy proceeds couldn’t go to them directly. The death benefit would be held by the court or public trustee until your children reached the age of majority, and the money might not
be administered as you and your partner would have wanted.

Instead, you might want to name a trust as beneficiary or contingent beneficiary or direct the policy proceeds to the person you have designated in your will to be their guardian in the event of the death of both you and your partner. When your children become adults, you can then name them directly as beneficiaries if you wish.

Covering all the bases
A key part of insurance planning is to protect against as many contingencies as possible. As you can see, it can be complex. Please remember that we are always here to help ensure you have the coverage you need to protect your family and keep them safe even as your circumstances and needs change over time.
For more information,
please contact us at

(647) 833-2782