At HELM, CREZNIC & ASSOCIATES, INC., we work on behalf of businesses and families to help them reach their finanical goals and objectives. Our goal is to help them maximize value and minimize risk for their assets.

As an National Financial Partners Corp. (NFP) associate, we believe our responsibility is to provide access to sophisticated resources. The professionals with our firm are currently registered to conduct securities business through NFP Securities, Inc. a broker-dealer and Member FINRA/SIPC. NFP is the parent company of NFP Securities, Inc. 

Our objective is to provide clients with financial services, product selection, investment tools and financial transaction processing and to establish an active policy voice in the companies that offer them.

 What does HELM, CREZNIC & ASSOCIATES, INC. offer you?

• *Financial Planning
• *Estate Planning  
• *Advisory Services  
• *Advisor Enterprise  (Professional Money Managers)
•  Insurance (Life, Disability, LTC and Group Benefits)
• *Variable Life
• *Annuities
• *Securities
• *Mutual Funds
• *401(k) Plans
•  Research  
• Blueprints for Tomorrow^TM Program

OMKW

HELM, CREZNIC & ASSOCIATES, INC.
1700 Eastpoint Parkway
P.O. Box 23790
Louisville, KY 40223
Tel: 502 589 0000 x 6127
Fax: 502 254 7617
Email: gcreznic@helmcreznic.com
www.helmcreznic.com

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Retirement Portfolio Lifespan
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Never Retire? Don't Count on It
In a recent survey, just 40% of wealthy individuals indicated they are totally confident they will have enough money for retirement. The other 60% said they will shun traditional retirement and work as long as possible. However, it could be dangerous to believe that a retirement income shortfall can be overcome by working past the traditional retirement age.

Insurance for Two Could Benefit Your Heirs
Survivorship life insurance offers a way to help a couple's heirs pay estate taxes, probate costs, and other final expenses — and could be especially important after 2012 when the federal estate tax is scheduled to be significantly higher. Even if the estate tax doesn't apply to an estate, the insurance proceeds could benefit heirs or a favorite charity.

Protecting What May Be Your Most Valuable Asset
Statistics indicate 43% of 40-year-olds will suffer at least one long-term disability (lasting 90 days or longer) before age 65. Disability income insurance could help protect your most valuable asset: your ability to earn an income.

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It's not hard to find the price/earnings ratios of publicly traded companies or even the market as a whole reported in the news. Unfortunately, it may be difficult to understand what the numbers mean without the ability to make meaningful comparisons.

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