LWP

 Lifetime Wealth PortfoliosSM – A New Definition of Wealth

What do you include when asked to determine the value of your total economic wealth? If you are like most savvy investors, you probably turn to a balance sheet of financial assets such as stocks, bonds, mutual funds, real estate holdings, and retirement savings accounts to calculate your financial net worth. This traditional definition of wealth, however, is incomplete. It overlooks what may be your largest asset – your “human capital”.

Human capital is the value of all your expected future income, including your pension income and Social Security benefits. Our solution evaluates your current income, your savings rate, and your work or retirement situation to determine how large an asset human capital is for you and its affect on your overall asset allocation.

Your human capital should drive insurance selection and asset allocation decisions in pre-retirement and retirement. In pre-retirement, incorporate insurance into your asset allocation to help mitigate risk and enhance the economic value of your portfolio.  In retirement, use guaranteed lifetime income* to hedge against the risk of outliving your retirement savings.

Lifetime Wealth PortfoliosSM

Lifetime Wealth PortfoliosSM is a managed account solution that provides you with all the benefits of a comprehensive investment management service, including objective and independent research, strategic asset allocation, access to an extensive universe of mutual funds, and quality insurance coverage —all tailored to your needs in a simplified approach focused on maximizing value over your entire lifetime. 

Several Experts Under One Comprehensive Solution

Lifetime Wealth Portfolios marks a unique advance in wealth management by bringing together  Ibbotson AssociatesTM pioneering expertise in human capital and risk tolerance based portfolio assignment, Morningstar Inc.'s extensive mutual fund research data, Eagle Strategies' innovative approach to insurance product selection, and rigorous investment management provided by various sub-advisers — all together to create an integrated investment and insurance strategy to help meet your financial goals.

 For a free Lifetime Wealth Portfolio consultation please call (781) 398-9137 today!

*Refers to fixed annuity products. Guarantees are backed by the claims paying ability of the issuer.

Disclosure

Jeffrey Varsa is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of AR (AR Insurance License #5412489), CA (CA Insurance License #4010506), CT, FL, GA, IL, MA, MO, NH, NJ, NY, and OH. No insurance business may be conducted outside the states referenced.

As a New York Life Agent, Jeffrey Varsa is licensed and authorized to offer insurance in California and Arkansas, but THE VARSA GROUP, LLC may not be. For additional information on licensure status, please click here for California and/or click here for Arkansas.

Jeffrey Varsa is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 201 Jones Rd Fl 5, Waltham, MA, 02451, 781-398-9137. In this regard, this communication is strictly intended for individuals residing in the states of AR, CA, CT, FL, GA, MA, MO, NC, NH, NY, and OH. No offers may be made or accepted from any resident outside the specific states referenced.

Jeffrey Varsa is also a Financial Adviser with Eagle Strategies LLC, a Registered Investment Adviser, and a wholly-owned subsidiary of New York Life Insurance Company, offering advisory services in the states of AR, CA, CT, FL, GA, MA, MO, NC, NH, NY, and OH. As such, these services are strictly intended for individuals residing in the states referenced.

THE VARSA GROUP, LLC is not owned or operated by NYLIFE Securities LLC or its affiliates.​

Neither THE VARSA GROUP, LLC nor its associates are in the business of offering tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions.​

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