Atlantic Coast Advisory Group

James P. Smith, CLU, ChFC, Building Relationships that Last

 
 
The Atlantic Coast Advisory Group, (ACAG) led by James P. Smith, CLU, ChFC, is one of America's fastest growing Independent Marketing Organizations (IMO). We have insurance professionals across the country who are able to take advantage of our indepedent platform to provide their clients with the best possible service and products.  Our President, Vice President, and Advisory Board use their combined years of experience and their knowledge of the industry to provide leadership and vision for the team of associates that represent ACAG and our corporate partners.
 
Atlantic Coast Advisory Group strives to meet our “Commitment to Excellence.”  We bring added value to your practice, challenge all associates toward personal and professional growth, and provide corporate relationships that help you pursue your client’s needs and objectives'.
 
Mission Statement:
"Assisting Individuals and Businesses in finding solutions that help solve their unique financial concerns and opportunities."

 
Calculators

College Funding

Use this calculator to estimate the cost of your child’s education, based on the variables you input.

Life Insurance

How much life insurance would you need to produce a sufficient income stream for your family?

Disability Income Insurance

How much Disability Income Insurance do you need?

Federal Income Tax

This calculator can help you estimate your annual federal income tax liability.

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Newsletters

HOT TOPIC: Are Housing Troubles Standing in the Way of Growth?

In the wake of past recessions, the housing industry provided a meaningful economic boost. This time around, the pace of the recovery has been more sluggish than expected, and ongoing weakness in the housing sector may be to blame.

Be Ready for a Change in Interest Rates

Fluctuating interest rates can be challenging for bond investors who want to reinvest their principal. When rates are low, they may have to accept lower yields; when rates rise when principal is tied up, they may not be able to benefit. One strategy to help manage reinvestment risk is to build a bond ladder.

Tax-Efficient Investments for the Tax-Averse

Raising taxes is one of many ideas that have been proposed to help reduce mounting federal budget deficits. Readers who are concerned about the prospect of higher taxes in the future may want to consider the tax advantages associated with municipal bonds and tax-exempt mutual funds.

Pick Up This Split for Long-Term Retirement Income

The number of Americans aged 90 or older almost tripled from 1980 through 2010 and is projected to quadruple by 2050. As people live longer they may need to fund a longer-than-expected retirement. This article discusses how a split-annuity strategy could help provide a long-term income stream.

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