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Financial Planning For Your Life's Financial Goals

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What would you do if you outlived your money?

What if your estate became a matter of public record?

Personal financial planning helps you determine your life goals and how to meet them with proper management of financial resources. Our broad-based approach is designed to enhance the work of other professionals who may focus on only one area of a person's financial life.

Our CERTIFIED FINANCIAL PLANNER professional develops our comprehensive financial plans. While we use software to perform some calculations, it's the human interpretation of that data which makes the financial plan useful.

The five disciplines of financial planning are interdependent. If one component of your financial plan goes unnoticed, it could affect your family's standard of living, now and in the future.

Estate Planning
Do you know how your estate will be distributed? An estate plan offers you the opportunity to choose who inherits your assets, when they will receive it and under what circumstances. Additionally, it may help to reduce the administrative costs and exposure to estate taxes.

Retirement Planning
The purpose of retirement planning is to help ensure a predetermined standard of living once you leave the workforce. Scarborough Capital Management will analyze your current resources to see if you can meet your goals. In addition, we will explain how to manage your assets after you retire.

Investment Planning
A sound investment plan begins with a clear understanding of your financial goals and objectives, time horizons, tax status and risk tolerance. An effective investment plan is critical in meeting your retirement and education goals, but also can be affected by your estate plan and tax status. Scarborough Capital Management will analyze your retirement and non-retirement assets to help ensure an efficient investment strategy.

Insurance Planning
Will you be able to meet your household expenses in the event of a long-term disability? Adequate attention must be given to risk management to prevent an unforeseen loss from affecting other goals. Scarborough Capital Management will address life, disability, long-term care, automobile, and liability insurance needs. Our plan will also evaluate existing coverage and recommend further action if necessary.

Education Planning
Will you have enough money saved for all the years of your child's college education? Education planning establishes the blueprint to help pay for a child's education. Scarborough Capital Management will tell you how much you need to save based on anticipated cost and an assumed rate of return on your investments. We will also help you identify the position that education should have on your priority list. Moreover, we will integrate your education goals with your ability to save for retirement, help reduce taxes and potentially increase investment returns adjusted for risk.

Once you receive the plan, we'll help you implement it. Moreover, we suggest you execute the plan in conjunction with any professional you use to manage your affairs. We believe everybody should be on the same page.

We understand that you will have questions before and after you receive the Financial Planning document. Your Retirement Advisor will schedule a follow-up call after you receive your plan to answer all of your questions and further explain our recommendations.

Call (800) 835-401K now to get started.

We will send you our Fact Finder questionnaire that will help you organize the material we need for analysis. The questionnaire takes approximately one hour to complete once you have all your material collected.

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Scarborough Capital Management, Inc., Retirement Advisors are Registered Representatives of and offer securities products and services through Royal Alliance Associates, Inc., member FINRA/SIPC, a registered broker-dealer. In this regard, this communication is strictly intended for individuals residing in the United States. No offers may be made to or accepted from any resident outside of the United States.

Retirement Advisors are also separately registered as investment advisor representatives of Scarborough Capital Management, Inc., a registered investment adviser with the Securities and Exchange Commission. As such, these services are strictly intended for individuals residing in the states where we have notice filed: AL, AZ, AR, CA, CT, DE, FL, GA, IL, IN, IA, KS, KY, LA, MD, MA, MI, MN, MS, MO, NE, NV, NH, NJ, NY, NC, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WV, WI. Click here for a copy of Scarborough Capital Management's Part II of New SGI ADV For 2008

A broker-dealer, investment adviser, BD agent, or IA rep may only transact business in a state if first registered, or is excluded or exempt from state broker-dealer, investment adviser, BD agent or IA rep registration requirements, as appropriate. Follow-up, individualized responses to persons in a state by such a firm or individual that involve either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made without first complying with appropriate registration requirement, or an applicable exemption or exclusion.

For information concerning the licensing status or disciplinary history of broker-dealer, investment adviser, BD agent, or IA rep, a consumer should contact his or her state securities law administrator.