Tim Libby's Process

 "How Can I Help You?"

Expect World Class Service to Get World Class Results

As your New York Life agent, I am here to help guide you through the often overwhelming process of creating an insurance and financial blueprint. Through my expertise and commitment to a team approach, I can provide resources, services and solutions designed to help my clients attain clarity on their financial situation and achieve their personal, business and estate planning objectives.

This consultative process fosters an understanding between the client, Tim Libby, and your current circle of advisors. I'm able to advance the goals most important to my clients, and develop an individual plan of action to help you achieve those goals by engaging in an open dialogue that focus on your challenges, opportunities, and dreams. After attaining a thorough understanding of your particular planning situation, I'm able to leverage the resources of my supporting team to:

• Examine Legal Documents
• Present and project your current financial strategy
• Quantify alternative strategies
• Suggest Strategies that may better align you with your goals and objectives
• Research and asses current legal issues

Since each client has unique requirements, the one-on-one customized case design process employed by Tim Libby and his Supporting Team is tailored to each situation, thereby providing unique solutions for achieving your individual financial goals.

I will work with you to:

1. Review your individual situation and personal objectives. Every family’s financial situation is unique. That’s why it’s so important to find out as much as I can about you and your financial goals. The more I know about you, the more precise recommendations I can make and the more I can help you. As a result, I may take some time to discuss your hopes, dreams and objectives — the things that really matter to you.
    
2. Analyze and review your needs. As needed, I will work with you to identify and prioritize your objectives, and then help establish benchmark goals. This is important because we live in a world of unlimited choices. People often fail to achieve objectives because they try to accomplish too much at once, or they don't attach specific deadlines to their goals. By breaking down your goals to specific objectives, you can look at available resources and decide which goals are realistic, which need to be adjusted and scaled down, and which simply must be abandoned.
    
3. Develop and implement a strategy to help you achieve your goals. Based on our conversation and analysis, I can recommend some insurance and financial products that can help you achieve your financial goals.
    
4. Coordinate your financial activities. If you would like, I can also coordinate your insurance and financial activities for you with the other members of your team of financial, tax and legal advisors.
    
5. Monitor progress; provide ongoing service as your needs and situation change over time. Planning is not a one-shot deal. Strategies need to be adjusted periodically as your life changes. I will work with you over the years to help keep your program on track with your changing needs.
    

Furthermore, as I work hand in hand with our in-house team of legally trained professionals, accountants and financial services professionals, I can provide my clients' with state of the art planning strategies and customize case analyses in these key areas:

• Personal financial Security - Knowing you can keep the lifestyle you choose for yourself and your family.
• Asset Protection - Protecting your assets from creditors and changing family situations.
• Asset Shifting - Minimizing or eliminate estate and income taxes, moving growth on your assets outside your taxable estate while maintaining a degree of control.
• Estate Equalization - Planning your estate to treat family members equally.
• Business Exit Planning - Helping you plan to exit your business through a sale or income continuation.
• Charitable Legacy Planning - Leaving a legacy while benefiting your community and your world.

Advanced Planning Group (APG)

Timothy Libby's Supporting Team

NYLIM LLC - New York Life Investment Management

New York Life Retirement Plan Services

NYLEX Benefits - Customized Executive Benefit Plans

College Savings with 529 Plans

Consult with your local registered representative Timothy S. Libby at 508-246-9748 or tlibby@ft.newyorklife.com for a complimentary review.

Servicing the following MA cities and towns: Abington, Acton, Acushnet, Adams, Agawam, Alford, Amesbury, Amherst, Andover, Aquinnah, Arlington, Ashburnham, Ashby, Ashfield, Ashland, Athol, Attleboro, Auburn, Avon, Ayer, Barnstable, Barret, Becket, Bedford, Belchertown, Bellingham, Belmont, Berkley, Berlin, Bernardston, Beverly, Billerica, Blackstone, Blandford, Bolton, Boston, Bourne, Boxborough, Boxford, Boylston, Braintree, Brewster, Bridgewater, Brimfield, Brockton, Brookfield, Brookline, Buckland, Burlington, Cambridge, Canton, Carlisle, Carver, Charlemont, Charlton, Chatham, Chelmsford, Chelsea, Cheshire, Chester, Chesterfield, Chicopee, Chilmark, Clarksburg, Clinton, Cohasset, Colrain, Concord, Conway, Cummington, Dalton, Danvers, Dartmouth, Dedham, Deerfield, Dennis, Dighton, Douglas, Dover, Dracut, Dudley, Dunstable, Duxbury, East Bridgewater, East Brookfield, East Longmeadow, Eastham, Easthampton, Easton, Edgartown, Egremont, Erving, Essex, Everett, Fairhaven, Fall River, Falmouth, Fitchburg, Florida, Foxborough, Framingham, Franklin, Freetown, Gardner, Georgetown, Gill, Gloucester, Goshen, Gosnold, Grafton, Granby, Granville, Great Barrington, Greenfield, Groton, Groveland, Hadley, Halifax, Hamilton, Hampden, Hancock, Hanover, Hanson, Hardwick, Harvard, Harwich, Hatfield, Haverhill, Hawley, Heath, Hingham, Hinsdale, Holbrook, Holden, Holland, Holliston, Holyoke, Hopedale, Hopkinton, Hubbardston, Hudson, Hull, Huntington, Ipswich, Kingston, Lakeville, Lancaster, Lanesborough, Lawrence, Lee, Leicester, Lenox, Leominster, Leverett, Lexington, Leyden, Lincoln, Littleton, Longmeadow, Lowell, Ludlow, Lunenburg, Lynn, Lynnfield, Malden, Manchester-by-the-Sea, Mansfield, Marblehead, Marion, Marlborough, Marshfield, Mashpee, Mattapoisett, Maynard, Medfield, Medford, Medway, Melrose, Mendon, Merrimac, Methuen, Middleborough, Middlefield, Middleton, Milford, Millbury, Millis, Millville, Milton, Monroe, Monson, Montague, Monterey, Montgomery, Mount Washington, Nahant, Nantucket, Natick, Needham, New Ashford, New Bedford, New Braintree, New Marlborough, New Salem, Newbury, Newburyport, Newton, Norfolk, North Adams, North Andover, North Attleborough, North Brookfield, North Reading, Northampton, Northborough, Northbridge, Northfield, Norton, Norwell, Norwood, Oak Bluffs, Oakham, Orange, Orleans, Otis, Oxford, Palmer, Paxton, Peabody, Pelham, Pembroke, Pepperell, Peru, Petersham, Phillipston, Pittsfield, Plainfield, Plainville, Plymouth, Plympton, Princeton, Provincetown, Quincy, Randolph, Raynham, Reading, Rehoboth, Revere, Richmond, Rochester, Rockland, Rockport, Rowe, Rowley, Royalston, Russell, Rutland, Salem, Salisbury, Sandisfield, Sandwich, Saugus, Savoy, Scituate, Seekonk, Sharon, Sheffield, Shelburne, Sherborn, Shirley, Shrewsbury, Shutesbury, Somerset, Somerville, South Hadley, Southampton, Southborough, Southbridge, Southwick, Spencer, Springfield, Sterling, Stockbridge, Stoneham, Stoughton, Stow, Sturbridge, Sudbury, Sunderland, Sutton, Swampscott, Swansea, Taunton, Templeton, Tewksbury, Tisbury, Tolland, Topsfield, Townsend, Truro, Tyngsborough, Tyringham, Upton, Uxbridge, Wakefield, Wales, Walpole, Waltham, Ware, Wareham, Warren, Warwick, Washington, Watertown, Wayland, Webster, Wellesley, Wellfleet, Wendell, Wenham, West Boylston, West Bridgewater, West Brookfield, West Newbury, West Springfield, West Stockbridge, West Tisbury, Westborough, Westfield, Westford, Westhampton, Westminster, Weston, Westport, Westwood, Weymouth, Whately, Whitman, Wilbraham, Williamsburg, Williamstown, Wilmington, Winchendon, Winchester, Windsor, Winthrop, Woburn, Worcester, Worthington, Wrentham, Yarmouth