Investment Portfolio		Disability Income Insurance
Helping your money work harder A famous investor once said, “Risk is not knowing what you are doing.” We help remove your risk as much as possible by giving you the right information and insight to help you make decisions consistent with your financial plan. Knowledge is more important than ever in today’s investing environment. The seemingly countless number of investment vehicles is dizzying. Which ones are right for you? And how should you invest your money in them? At Wagstaff & Crawford, we have the skill and experience you can count on to sort through the choices and come up with the right approach for you. With the use of advanced technology, we can help you develop an investment program that is realistic, logical, disciplined and understandable. To make sure that the plan is consistent with your objectives, we will sit down with you periodically to review your account. No one can predict the future, but we can use proven methods to help you position your account to match up with your objectives. In a nutshell, our philosophy is that success in investing is not just about investment performance, but investor behavior as well. We’ll help you to position your accounts properly to match your personal investment profile.		Protecting your ability to earn Have you ever thought about how long you could maintain your current living standards if you weren't able to work? For most people, being disabled and unable to earn an income -- even for just a short time -- can mean, at a minimum, financial stress. Most people only have two months savings in the bank as a protection against emergencies. But even a larger savings base dwindles quickly when you're facing a long-term injury or illness. In that situation, all of your needs and financial responsibilities continue. You still must pay your mortgage, car payment, credit card payments, medical costs, food costs, and more. If you don't plan properly, many of your hopes for a comfortable future may have to be put off -- if not discarded altogether. Disability income insurance is designed to replace a portion of your income that is lost due to disability from illness or accident. We'll help alleviate this potential stress by designing a Disability Income Insurance policy customized for your situation -- a policy that will protect a portion of your income in the event of your disability.

D. Boyd Wagstaff and Robert B. Crawford are registered representatives of and offer securities,
investment advisory, and financial planning services through MML Investors Services, Inc., Member SIPC.
6340 S. 3000 E. Salt Lake City, UT 84121 (801) 943-6277

Wagstaff & Crawford is not a subsidiary or affiliate of MML Investors Services, Inc.

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