Life Insurance		College Savings
Taking care of those left behind In most financial strategies, life insurance is the solid foundation that supports the other strategy elements. As a financial tool, life insurance is the first line of defense when protecting against the financial impact that may result at death. It provides resources to help the survivors. pay off debt and, more importantly, to help replace lost income. There are a wide variety of life insurance choices available. Wagstaff and Crawford can help you choose the right one for your situation. Our approach is probably different from your experience with life insurance. We use life insurance as a tool in helping you create the best possible financial protection plan for your unique situation.		Helping your children achieve their best Everyone wants the best for their children. But the skyrocketing costs of university tuition make it increasingly difficult for many to pursue a college education without incurring large amounts of debt. Fortunately, the federal government is helping with “529” plans, Coverdell Education Accounts, and other tax-favored vehicles. All of these can be used to save now for your child’s education and, in certain situations, to enjoy the potential for tax-deferred growth and tax-free distributions. With proper planning, parents can use these plans to help provide for their children's education by contributing directly, through a trust, or through an estate plan. Many grandparents also use this opportunity to make annual contributions as part of a lasting legacy for their grandchildren. With a little planning now, you can help your children to afford an education in the future. This one step can make an incredible difference in the quality of life for generations.

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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