This is another financial area that requires careful consideration.  Balancing present and future needs and
accurate forecasting can be difficult.  Strategies cannot be crafted in a vacuum and life insurance is no different.  
All the aspects of your life must be considered.  We consider your current coverage and future needs when
forming an overall financial strategy.
   Life insurance may also be used to replace assets that are being gifted to charity.  In this way you can gift to
charity and still remember your loved ones.  This is an opportunity to leverage the size of your estate.  There can
also be substantial tax savings for you and your estate using this strategy.  We often include your tax
professional in these discussions because of the substantial tax implications.
Life Insurance Strategies
Securities offered through NEXT Financial Group, Inc. (NEXT), member FINRA, SIPC, a registered Investment Advisor. Kodiak Investment Management is not an affiliate of Next Financial Group.  Neither NEXT Financial
Group, Inc. nor its representatives are qualified to give tax or legal advice.  Please consult your tax or legal professional regarding your particular situation.  Kodiak Investment Management, 16 2nd St NE Aitkin, MN, 56431
Phone: 218-927-1800, Fax: 218-927-1803.  To view NEXT Financial Group's privacy policy and other important information, visit the "Clients" section of www.nextfinancial.com.    www.SIPC.org   www.finra.org
Kodiak Investment Management
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