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Darchuckstewart.com

T h e T r a n s i T i o n J o u r n a l™ From our experience, these are some of the common obstacles and issues people like you are facing. Check all that are relevant to you, and add others if needed.
I s s u e s□ Constant tax issues and liabilities□ Business is dependent on me for growth□ No clear and communicated succession plan in place□ Concerned about the future direction of the economy in general□ Investment assets are subject to substantial market risk□ Concerned about a reemergence of inflation and higher income tax rates□ Uncertain about the effect rising interest rates will have on my wealth□ Money may provide disincentive to children□ Don’t feel confident taking off as much time as I would like□ Not sure the right team is in place for next level of growth□ Bogged down with activities I don’t like, not time for what I love□ Uncertain impact of transition on spouse, children and key people□□ Darchuck Stewart & Co. offers both investment advisory programs and wealth advisory services which may include; cash-flow planning to determine sustainable withdrawal rates, consultative services to maximize the potential of business transition/sale to outside purchaser or employees, investment advisory services and tax planning and/or estate and asset protection planning. These services are often separate and distinct and may differ in material ways. Wealth advisory services are either provided as an integral part of an ongoing investment advisory relationship or on a “specified project” basis. When performing wealth advisory services, we are not acting as your attorney or accountant and none of our services should be considered legal or accounting advice.
T h e T r a n s i T i o n J o u r n a l™ As well as obstacles, you may have many opportunities you’d like to be freed up to focus on. Check those that apply to you, and feel free to add others that fit. o p p o r T u n I T I e s□ Clear business succession plan in place□ Optimum tax savings being achieved□ More time for family□ New growth opportunities are being pursued□ Confidence that assets are working hard but not subject to undue market risk□ Capital for business is not tied to personal assets□ Plans allow for interested family members to participate in the future of the company□ Focusing on what I am great at and love□ Value of business is protected from unnecessary estate tax□ Capture and retain more business cash flow□□□□ Darchuck Stewart & Co. offers both investment advisory programs and wealth advisory services which may include; cash-flow planning to determine sustainable withdrawal rates, consultative services to maximize the potential of business transition/sale to outside purchaser or employees, investment advisory services and tax planning and/or estate and asset protection planning. These services are often separate and distinct and may differ in material ways. Wealth advisory services are either provided as an integral part of an ongoing investment advisory relationship or on a “specified project” basis. When performing wealth advisory services, we are not acting as your attorney or accountant and none of our services should be considered legal or accounting advice.
T h e T r a n s i T i o n J o u r n a l™ You may have talents, capabilities, and skills that you’d like to reinforce and maximize. Check those that best represent you and add others if needed. s T r e n G T h s□ Strong management team in place□ Great kids, all doing well, good relationships with all□ Good understanding of what it will take to get to next level□ Very focused and dedicated□ Strong financial position□ Significant community of peers and friends□ Good health□ Great reputation with our clients and in the marketplace□ Competitive market position□□ □□□ Darchuck Stewart & Co. offers both investment advisory programs and wealth advisory services which may include; cash-flow planning to determine sustainable withdrawal rates, consultative services to maximize the potential of business transition/sale to outside purchaser or employees, investment advisory services and tax planning and/or estate and asset protection planning. These services are often separate and distinct and may differ in material ways. Wealth advisory services are either provided as an integral part of an ongoing investment advisory relationship or on a “specified project” basis. When performing wealth advisory services, we are not acting as your attorney or accountant and none of our services should be considered legal or accounting advice.

Source: http://www.darchuckstewart.com/sites/default/files/transition-journal.pdf

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Varenicline: Where are we today? Phillip Gardiner, Dr. P.H. Introduction In 2006, Chantix (varenicline) splashed boldly onto the nicotine cessation medication scene with full Food and Drug Administration (FDA) approval following the completion of three distinct Pfizer-funded clinical trials (Jorenby et al., 2006; Gonzales et al., 2006; Tonstad et al., 2006). Almost immediately

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EAR TUBES AND ADENOIDECTOMY Pressure equalization tubes are placed for several reasons. In children they are most often placed for chronic or recurrent ear infections, as well as persistent fluid behind the ear drums. The tubes bypass the blocked Eustachian tubes and allow air to move in and out of the middle ear space to help keep it healthy, prevent fluid from accumulating, allow infec

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