Family Money, Family Values, and Your Family Legacy.

About the Book

When most people think about leaving a family legacy, they think about wealthy people leaving lots of money to their children and grandchildren. But a family legacy doesn’t have to be just for the rich. The less well-off and even the not-so-well-off can leave a family legacy too.

Too often, the creation of a family legacy is aimed at reducing estate taxes and perpetuating wealth for future generations. Although these are certainly worthwhile goals, they often have the unintended effect of creating future entitled generations, which can actually be a disservice to those individuals. But this need not happen. There are numerous opportunities to create positive good works through the vehicle of a family legacy. The key to a well-designed family legacy is to have a clear sense of purpose as to its intended use.

Instead of starting with the money first, ask yourself these questions:
• What really is my legacy to my family?
• What are the values I want my children and grandchildren to learn from me?

About the Author

Ray Loewe's mission is to meet with clients and to get them feeling better about their financial future. His Unique Ability™ enables him to sift through the clutter of his clients' financial concerns and help find the best solutions, often using and sharing new perspectives in the process. This ability led to the development of The College Money System™, The New Retirement Paradigm™, and Wealth & Wisdom Sharing™ as ways of helping clients define their concerns and visualize their opportunities.

He has appeared on Good Morning America, CNNfn, and CNBC. He has been frequently quoted in national and local newspapers and magazines, including the Wall Street Journal and Money Magazine. Professional organizations often feature Ray as a speaker, including the Maryland Bar Association, the Annual Forum of The Society of Financial Service Professionals, and local Estate Planning Council and FPA groups.

Ray has authored four books on effective college planning including, How to Plan for College: An Advisor’s Guide to Acquiring New Clients and Profitable Assets, which was released by The National Underwriting Company in 2007. His most recent book, The Luckiest Guy in the World, describes a process for imagining and implementing a New Retirement Paradigm.

Ray is a Registered Representative and Investment Advisory Representative with United Planners Financial Services of America, Member FINRA and SIPC.

Ray holds a BS in Electrical Engineering from the University of Pennsylvania and an MBA from the Wharton School, University of Pennsylvania, and is a Chartered Life Underwriter (CLU) and a Chartered Financial Consultant (ChFC).