American Atlantic Spring 2024

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AMERICAN ATLANTIC Here we GROW, Missouri

Meet Matthew Hester

A m e r i c a n A t l a n t i c i s G r o w i n g ! W e a r e a b o u t t o o p e n a n e w l o c a t i o n i n M i s s o u r i ! W e w a n t t o e x t e n d a w a r m w e l c o m e t o M a t t h e w H e s t e r , P r e s i d e n t o f o u r A m e r i c a n A t l a n t i c o f f i c e i n M i s s o u r i .

M a t t w i l l b e o f f e r i n g t h e s a m e w o n d e r f u l s e r v i c e s t h a t y o u r o t h e r A m e r i c a n A t l a n t i c o f f i c e s o f f e r , o n l y i n C a p e G i r a r d e a u , M i s s o u r i .

M a r k W a g n e r , M a t t h e w H e s t e r a n d o u r w h o l e t e a m l o o k f o r w a r d t o e x p a n d i n g o u r s e r v i c e s t o m e e t y o u r n e e d s , w h e r e v e r y o u a r e . R e d , w h i t e a n d b l u e , c o a s t t o c o a s t , w e a r e t h e r e f o r y o u !

Editor Letterfromthe

As Founder of American Atlantic LLC I deal with many people and their money. In return, I personally receive joy from seeing them revel in happiness because I helped them keep their money safe. Since the focus on this issue of American Atlantic is “Small Business in America”, I would like to take the opportunity to share a client testimonial/review with you that touched my heart.

Both our company and I invested in IUL programs with Mark Wagner and American Atlantic earlier this year after reading his international best-selling book on Amazon, “Building Financial Fences”

In 2022 we started to see a loss in our 401K’s and our IRA that greatly concerned us enough to make the decision to reinvest my money and our company ’ s money elsewhere I can tell you that only because of this move both myself and my staff will now retire as multi-millionaires, regardless of what happens with the US dollar our money is safe. That by itself has brought incredible peace of mind with the scary economic times we are currently in

If you ’ re considering reinvesting your 401K or IRA, don’t hesitate to speak with Mark He is a brilliant financial expert that will lead you to financially safe ground I highly recommend reaching out to him sooner than later, you will be glad you did.

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IN AMERICA Smallbusiness

Welcome to 2024 and all things new, that is if you choose them to be As I sit here focusing on “new” I can’t help but be reminded of new businesses popping up all over America We are living in the small business era of “if you can do it, it can be a business” From Pop-up and food trucks to informational “How-To” webinars, we all have a claim to stake in the game! There are more opportunities than ever and many without even having any major overhead costs. So many businesses are online due to wanting to avoid overhead costs that a brick and mortar module would bring.

As an American myself, I have always admired the entrepreneurial spirit of our nation. Small businesses are the lifeblood of our economy, providing jobs and services to communities across the country. From the mom-and-pop shops that have been around for generations to the innovative startups that are breaking new ground, small businesses are the backbone of America

One of the things that makes small businesses so special is their personal touch

When you walk into a small business, you ' re not just another customer - you ' re a member of the community. The owners and staff know your name, your preferences, and your needs. They take the time to get to know you and build a relationship that goes beyond a simple transaction.

Small businesses also have the ability to adapt and innovate in ways that larger corporations cannot. They are nimble and can respond quickly to changes in the market or the community They are also more likely to take risks and try new things, which can lead to breakthrough ideas and products

Millennials and Gen Z are known for their riskiness formed in their entrepreneurial spirit They are continuously creating new types of businesses that cater to their unique values and interests. From environmentally conscious products to innovative tech startups, the business landscape is changing rapidly.

One example of this is the rise of sustainable fashion brands. Millennials and Gen Z are more aware of the impact of fast fashion on the environment and are choosing to support brands that prioritize sustainability. These brands use eco-friendly materials, reduce waste, and prioritize ethical labor practices Not only do these businesses help the environment, but they also appeal to consumers who want to make a positive impact with their purchases

Another trend is the increase in digital businesses. As technology continues to advance, more and more young entrepreneurs are starting online businesses. These businesses can range from e-commerce stores to social media marketing agencies With the rise of remote work, digital businesses have become more accessible and allow individuals to work from anywhere in the world

Finally, there is a growing trend towards businesses that prioritize mental health and well-being Millennials and Gen Z are more open about their struggles with mental health and are seeking out businesses that cater to their needs. For example, there are now meditation apps, therapy services, and mental health-focused retreats. These businesses are not only profitable but also help to break the stigma surrounding mental health. In conclusion, millennials and Gen Z are driving the creation of new types of businesses that prioritize sustainability, technology, and mental health These businesses are not only profitable, but also make a positive impact on society and the environment As these generations continue to enter the workforce, we can expect to see even more innovative and socially conscious businesses emerge However, running a small business is not without its challenges. From navigating complex regulations to competing with larger, better-funded competitors, small business owners have to be resilient and resourceful. Many work long hours and wear multiple hats, serving as CEO, accountant, and customer service representative all at once.

Despite these challenges, small business owners continue to persevere and thrive. They do it because they believe in their vision and in the power of their community And as Americans, we should all be proud to support them in any way we can - whether it's by shopping local, referring friends and family to their online sites, or simply taking the time to stop in and say hello

10 Small business statistics that will blow your mind

Get the stats

Small businesses make up a significant portion of the economy, and their impact is often underestimated. Here are ten small business statistics that may surprise you:

Small businesses account for 44% of U.S. economic activity.

1. There are approximately 30.7 million small businesses in the United States.

2. Small businesses employ 47.3% of the U.S. workforce.

3.

4

Women own 42% of all small businesses in the United States

5.

The number of small businesses owned by minorities has increased by 38% in the last decade.

6.

Approximately 82% of small businesses fail because of cash flow problems.

50% of small businesses survive five years or more.

7. Only 25% of small businesses make it to the 15-year mark

8

Small businesses create two-thirds of all new jobs in the United States.

10.

9. The top five industries for small businesses are healthcare and social assistance, accommodation and food services, retail trade, professional, scientific and technical services, and construction

As these statistics show, small businesses play a vital role in the economy and are responsible for creating many jobs. However, they also face significant challenges, such as cash flow problems and a high failure rate. Despite these challenges, small businesses continue to thrive and contribute to the growth of the economy.

When it comes to estate planning, Wills and Trusts are two popular options that people often consider.

Will Or Trust

Willsareboundbythelawsoftheland, andassuch,becomepublicrecordafter probate

When it comes to estate planning, Wills and Trusts are two popular options that people often consider While they both serve the purpose of distributing assets after someone passes away, there are some key differences between the two that are worth noting.

Firstly, a Will is a legal document that outlines how a person ' s assets will be distributed after their death. It allows individuals to name an executor who will oversee the distribution process and provides instructions on how assets should be divided among beneficiaries allowing anyone to access information about the assets and their distribution. Trusts, however, can remain hidden and confidential, a secret kept between the creator, the trustee, and the beneficiaries.

One of the Trust's magical qualities is that it can bypass the probate process

There are two main types of Trusts: revocable and irrevocable Revocable Trusts can be changed or revoked by the person who created them, while irrevocable Trusts cannot be changed once they have been created One key benefit of Trusts is that they can bypass the probate process, which can save time and money.

Another key difference between Wills and Trusts is privacy. Wills become public record once they go through probate, which means that anyone can access information about a person ' s assets and how they were distributed Trusts, on the other hand, can remain private and confidential.

Ultimately, the decision to use a Will or a Trust for estate planning depends on a variety of factors, including the size of a person ' s estate and their individual goals. It's important to consult with an experienced estate planning attorney to

determine which option is best for your unique situation.

Embarking on the path of estate planning, one might ponder between two enchanting options: Wills and Trusts While both spellbinding choices serve the purpose of bestowing assets to loved ones after one ' s passing, they hold distinct differences worth exploring.

A Will is a magical document that outlines the distribution of assets and names an executor to oversee the process It imbues the power to divide assets among beneficiaries, but one must note that Wills are bound to the probate process, which can be a tedious and costly journey.

In contrast, a Trust is a wondrous entity that holds assets on behalf of a beneficiary. It manifests in two forms: revocable and irrevocable. The former can be altered or revoked by the creator, while the latter remains steadfast

One of the Trust's magical qualities is that it can bypass the probate process, saving time and gold.

Another striking difference lies in privacy. Wills are bound by the laws of the land, and as such, become public record after probate, allowing anyone to access information about the assets and their distribution Trusts, however, can remain hidden and confidential, a secret kept between the creator, the trustee, and the beneficiaries.

Ultimately, selecting the right magical tool for estate planning depends on various factors, such as the size of one ' s assets and individual goals It's essential to consult with an experienced estate planning attorney to determine the most effective enchantment for one ' s unique situation.

Give our office a call and to take advantage of our limited time FREE Living Will Package offer.

American Atlantic

(330)946-6275.

Financial R ules

tofollow

The Rule of 100

The financial rule of 100 is a simple yet effective way to determine the percentage of your portfolio that should be allocated to stocks versus fixed income investments To calculate the rule of 100, you subtract your age from 100 The resulting number represents the percentage of your portfolio that you should have invested in stocks, with the remainder allocated to fixed income investments.

For example, if you are 35 years old, the rule of 100 suggests that you should have 65% of your portfolio invested in stocks, and 35% allocated to fixed income investments

This rule is based on the idea that younger investors have more time to ride out market fluctuations and can afford to take on more risk, while older investors should have a more conservative investment strategy. It is important to note that the rule of 100 is just a guideline and should be used as a starting point when determining your investment strategy

Your individual financial situation, risk tolerance, and investment goals should also be taken into account when making investment decisions. It is recommended that you consult with a financial advisor to determine the best investment strategy for your specific needs

The Rule of 72

The "Rule of 72" is a financial concept that can help you estimate how long it will take for your investments to double.

Essentially, the rule states that if you divide 72 by the annual rate of return on your investment, the result is the approximate number of years it will take for your investment to double in value

For example, if you have an investment that earns an annual return of 8%, you would divide 72 by 8, giving you an answer of 9.

This means it would take approximately 9 years for your investment to double in value at that rate of return

This rule can be useful in helping you to plan and project your investment goals However, it is important to remember that it is an estimate and that actual returns may vary. Additionally, it is important to consider other factors, such as inflation and taxes, which can impact the value of your investment over time.

To sum it up, "The Rule of 100 is a lot like a balanced diet - it's all about getting the right mix of assets to keep your investments healthy "

"The Rule of 72 is the investor's secret weapon - use it wisely, and you can make your money work harder than ever before!"

Remember, both the Rule of 100 and the Rule of 72 can be helpful tools for investors, but it's important to keep in mind that they are just guidelines and should not be the only factors you consider when making investment decisions.

it'sallabout gettingtheright mixofassetsto keepyour investments healthy."

WhatisaPublicAdjuster

...and knowing when to call one

Everyone knows who their doctor , lawyer and insurance rep is. Or at least you should Well, I have a question for you. Whoisyourpublicadjuster? Ifyoudontknowwhatapublicadjuster is,thenthisarticleisforyou.

Apublicadjusterisalicensedinsurance professional who represents policyholders when they file insurance claims Unlike insurance company adjusters who work for the insurance company, public adjusters work for the policyholders to help them get the maximum amount of money they are entitledtoundertheirinsurancepolicy

Public adjusters help policyholders navigate the claims process, prepare and file the necessary documents, and negotiate with the insurance company on their behalf. They can be especially helpful when policyholders have complex claims or are dealing with difficultinsurancecompanies.

Publicadjustersarepaidapercentageof the final settlement amount, which is a percentageoft

You should seek advice from a Public Adjusterif:

You are unsure about the value of your claimandwantanexpertopinion.

You have a complex claim that may require extensive documentation and negotiation.

You are not familiar with the claims process and want someone to guide you throughit.

You do not have the time or resources to handletheclaimonyourown.

Keep in mind that while public adjusters can be helpful, it's important to choose a reputable,licensedpublicadjusterwhohas experienceinyourtypeofclaim

In the end public adjusters do offer a very valuable service for those in need. They can help you navigate the claims process, understandyourpolicy,andnegotiatewith yourinsurancecompanyonyourbehalfto ensure that you receive the maximum ttl t ibleforyourclaim.

From here to there and all in between! American Atlantic has gotyoucovered! Wetravelallover to help people with their financial needs. We can help guide you through your Retirement or Estate Planningwiththepersonaltouch

Our company holds seminars in venues all over the country teaching people how to keep their moneysafe.

Why not host a seminar for your organizationorchurch?

Whatever the need, give us a call and we will help you to make it happen!

(330)946-6275

us

Organization: AROUNDTHE HOME

Consider donatingitems thatwouldbe usefultoothers, suchasclothing, toys,or householdgoods.

As the new year begins, many of us find ourselves making resolutions to get our lives in order. One of the most common goals is to finally get our homes organized. Whether it's a cluttered closet, a messy kitchen, or an overflowing garage, the task of organizing can seem daunting. But with a little planning and effort, it's a goal that is achievable

The first step in home organizing is to set realistic goals Instead of trying to tackle everything at once, start with one room or area of the house. For example, you might decide to focus on your bedroom closet or your kitchen pantry. Once you ' ve chosen a starting point, break the task down into manageable steps. This might mean sorting

through items, deciding what to keep and what to donate or discard, and finding storage solutions for the items you keep Another important aspect of home organizing is developing good habits. This might include establishing a regular cleaning schedule, putting things away immediately after use, and being mindful of what you bring into your home By making small changes to your daily routine, you can prevent clutter from accumulating and maintain a more organized living space In conclusion, home organizing is a worthwhile goal for the new year. By setting realistic goals, breaking the task down into manageable steps, and developing good habits, you can transform your living space into a more functional and peaceful environment So why not start today? With a little effort, you can make 2024 the year of organization

Donating items that you no longer need or use can be a great way to declutter your home while helping others in need However, it can be overwhelming to decide what items to donate Here are some tips to help you decide:

1.

Start small: Begin with one room or category of items, such as clothes or books. This will help you stay focused and not get overwhelmed.

2.

Consider the condition of the item: If an item is in good condition and still functional, it is likely a good candidate for donation However, if an item is broken or damaged, it may be best to dispose of it instead

3.

Think about the needs of others: Consider donating items that would be useful to others, such as clothing, toys, or household goods. You can also research local charities or organizations to see what specific items they may be in need of.

4

Donate responsibly: Make sure to donate to reputable organizations and follow their donation guidelines It is also important to properly clean and prepare items for donation

By following these tips, you can make the process of deciding what to donate in your home easier and more effective. Happy decluttering and donating!

Hawaiian Chicken

Hawaiian Chicken

2lbschickentenderloincutintochunks

1cuppineapplejuice

1/2cupbrownsugar

1/3cupofsoysauce

Combineallingredientstogetherincrockpoton lowandslowcookfor6-8hours.

Servewithwhiteorbrownriceandavegetable foracompleteEZmeal. Cutupred,greenor yellowbellpeppersontopmakeagreat companionforthisrecipe.Juststeamthem30sec to1mininamicrowave foralittleaddedtouch.

It’sgreattocomehometoanalreadycooked meal!

Let’s Talk

“I come planning” F

with your host: Mark Wagner

You don’t know when the market is going to crash and turn your paper gains into real losses at the critical stage of your retirement.

I come planning F

Why would you invest your money in bonds, stocks, or mutual funds?

Easy answer, right? People that risk their money do so because they want big returns. The really sad thing about IFcome planning, or investing in products where you can lose your money, is that there is so much risk with very little real returns

Here is an example from the past that might interest you

In a study by Dalbar Inc , the Nation’s leading financial services market research firm, from 1985 to 2004 the average mutual fund investor achieved a 3 7% annualized return

If you are at or near retirement, is losing 50% of your money worth an average return of 3.7%? The truth is that the numbers you hear on the news are rarely the ones you participate in.

After fees, investment restriction, and fund choices most investment accounts never perform as good as the market. The truth is that your 2004 could be today.

You don’t know when the market is going to crash and turn your paper gains into real losses at the critical stage of your retirement.

Unfortunately, many people find out way too late that protecting your money after the age of 45 should have been a priority.

My INcome planning will show you how to get guaranteed returns without the risk of market loss I will also show you how to think about your money

Too many financial professionals teach their clients to think of their retirement as a pile of money

Once you retire they then tell you to take your shovel and start removing money from the pile Brokers that sell variable products have IFcome words and phrases like diversification, bond allocation, and portfolio rebalancing that are used to make you feel safe about your retirement, but in the end your money is still subject to market risk

With INcome planning I will show you how to look at your money as a lifetime benefit, not a pile of money. I will show you how to guarantee that all of the money you have worked so hard for can be guaranteed to not go down with market loses.

I can show you how to participate in market gains and lock in your returns so your money never goes backwards.

We have a plan that will build up your INcome account value so that you can live a life that is stress free, knowing that you will never outlive your money.

How would you like to know that your lifetime income account was going to grow up to 10% or more by the end of next year and continue to grow up to a 7% compounded rate until you decide to activate a lifetime of income? Give me a call at (330)946-6275.

Just for fun

Soduku Puzzle

Why do I teach First Aid & CPR/AED classes?

Prevention is the Key

A long time ago I decided that if I was going to provide insurance, I needed to teach preventative measures and educate others on emergency situations. That’s why I do what I do.

If an accident does occur, usually what follows is Short-Term / Long-Term Disability, or maybe even a Death Claim Employers typically frown upon extended absences which is the result of short/longterm disability, or even death. Because they count on you to be there!

As an insurance agent, we provide inspections and look for hazards and breaches of safety protocol. Hazards are an insurance term, such like a loose handrail, not wearing hardhats or eye gear, having debris scattered in walkway, etc...

Hundreds of millions of emergency department visits for injuries and illnesses in US every year

Safe practices can prevent many injuries, illnesses, and deaths.

Effective first aid can improve recovery and prevent permanent disability or death

That’s why I go into workplaces and teach First aid and CPR/AED To prevent an accidental event!

If you are a business owner or member of an organization that is interested in an onsite First aid/ AED/ CPR course for certification, please call our office at (330)946-6275 for more information

Remember: Prevention is the key!

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Death SClaimupport

Death is the hardest experience of life everyone must go through. The fear of it looming somewhere in our distant future causes understandable stress. The thing is, no one WANTS to die, but we all know it is inevitable. And the feelings of pain and grief are nothing to look forward to. We dread it, we despise death and try to force the thoughts of funeral plannings and burials to the furthest edges of our mind to stay present and worry-free.

But when death strikes, even though we know it’s inevitable, we still are unprepared. The rug gets pulled out from under us and suddenly not only do we have to deal with the despair of losing a loved one, but now there’s a million things to do. It’s as if our world is suspended in time and moving at light-speed simultaneously. Suddenly, those funeral plans we tried to deny entrance into our minds have to take center stage. Suddenly, our financial state may be in jeopardy. And worst of all, we feel like we don’t have time to rage or grieve, and despite our souls getting shattered to pieces, we have immediate responsibilities to take care of.

It’s why it’s important for us to slow down and take the time in the present to think about the future. So, we will spend less time focusing on financial distress, the funeral plannings, estate, the legal paperwork... And instead, we can have more of that time to grieve and feel for the ones we have lost. Having a compassionate advisor early on can give peace of mind that your affairs will be in order in the event of your own passing or a loved one. Things like securing a family trust, deciding beneficiaries, or appointing a Power of Attorney are all crucial steps to take to being prepared for the worst.

Don’t leave your finances and estate hanging in the balance for your family. Take measures now to avoid the scrambling chaos that generally accompanies death so that you and your family can spend less time worrying.

Motorcycle Enthusiasts and the Pink Canopy: Riding to Witness Washington, DC’’s Cherry Blossoms

Springtime in Washington, DC is a magical affair. As the last vestiges of winter retreat, the city transforms into a canvas of pink and white. The stars of this ephemeral spectacle? The cherry blossom trees, which burst forth in delicate blooms, adorning the capital with their ethereal beauty. For motorcycle enthusiasts, this annual event is more than just a scenic ride—it’s a pilgrimage to witness nature’s grandeur against the backdrop of iconic monuments.

The Blossom Season

The National Cherry Blossom Festival, spanning from March 20 to April 14, 2024, celebrates the gift of over 3,000 cherry blossom trees from Tokyo to Washington, DC in 1912. During this time, the city dons its pink attire, and the air is infused with the sweet fragrance of cherry blossoms. Motorcycle riders from all corners of the country converge on the capital, their engines humming in anticipation.

The Route: From Asphalt to Petals

1. Tidal Basin: The Epicenter

The Tidal Basin becomes the epicenter of cherry blossom fervor. Here, some 650 cherry trees line the water’s edge, creating a breathtaking panorama. As motorcycle enthusiasts cruise along the basin, they catch glimpses of the Jefferson Memorial, the Franklin Delano Roosevelt Memorial, and the Martin Luther King, Jr. Memorial framed by delicate pink blooms. The reflection of petals on the water’s surface adds to the enchantment.

2. East Potomac Park and Beyond

The shoreline of East Potomac Park, extending to Hains Point, offers more cherry blossoms. Riders follow the winding roads, their helmets adorned with cherry blossom stickers. The Yoshino Trees, with their deep pink, single blooms, stand tall, while the Akebono trees grace the landscape with pale pink blossoms.

3. Hidden Gems

For those seeking off-the-radar beauty, there are hidden pockets of cherry blossoms. Explore the National Arboretum, where secluded paths reveal blooming treasures. Anacostia Park, Dumbarton Oaks in Georgetown, Stanton Park, and Oxon Run Park harbor clusters of cherry trees waiting to be discovered. These lesser-known spots offer a quieter communion with nature.

The Best Time to Ride

While there’s no bad time to visit the cherry blossoms, early mornings and evenings provide a more serene experience Weekends tend to draw more visitors, especially when the blooms are at their peak Remember to respect the blossoms look, but never pick It’s against the law, and we want these delicate petals to thrive

As motorcycle enthusiasts rev their engines, they b t f ti l t diti l b ti f spring, beauty, and the enduring friendship betw rustle of petals, creating a symphony of freedom blossoms guide your journey through the heart of

Cover Ins

Cherry blossoms in bloom fill the air with their in shades of pink and white. The gentle mesmerizing sight that captivates all who witness symbolize new beginnings, hope, and the fleeting gather to admire this ephemeral spectacle, celebrating the beauty of nature and the promise of spring. The cherry blossoms serve as a reminder to cherish the present moment and appreciate the ever-changing seasons of life.

Here at American Atlantic, we walk with our clients through many seasons of life. Seasons of safe money investments to retirements, death claims and everything in between. Give us a call and allow us to be there through your seasons of life.

(330)946-6275

building financial fences

“Mark Wagner’s best-selling book Building Financial Fences” is available on Amazon or simply by calling our office to schedule a free “L.I.F.E. Review”. When you schedule a “L.I.F.E. Review” with Mark Wagner, we would like to present you with your very own copy of Building Financial Fences as our way of saying thank you.

What is a L.I.F.E. Review ?

A “L.I.F.E. Review” is a comprehensive view of Legacy, Income, Finance, and Estate. The “L.I.F.E. Review” takes about 1 hour and can be done in our office, your home, or even over the phone. Call us today at (330)946-6275

onAmazon

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