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What Does P.A.I.L. Mean to You?

What Does P.A.I.L. Mean to You?

August 12, 2016

If you have been around me for any amount of time you have probably heard of the acronym PAIL. If you are new around here, you’re probably wondering what in the world I’m talking about.

It’s my goal to help you achieve both your short-term and long-term goals and make the best decisions possible to lead you to financial security. I am here to help you develop, implement, and monitor a strategy that’s personalized to your unique situation.

To accomplish that, I focus on four different areas: Protection, Accumulation, Income, and Legacy. These four aspects of your financial life not only spell out the acronym PAIL, but they also cover all of the bases necessary to help you reach your goals and protect the most important things in your life. I work hard to ensure that each of my clients identifies and builds the right PAIL for themselves, their family, or their business.


Your most valuable asset is your ability to earn an income and it needs to be protected. This is commonly done through insurance, so I offer life, disability, and long-term care insurance to my clients. I also take the time to help you choose the correct coverage, the proper amount, and the carrier that will fit your particular situation best. It is important to insure against what can go wrong so that you have the luxury of investing for what can go right.

Asset Management

Many of my clients’ goals involve accumulating wealth for future needs such as retirement income and college funding. Whether it is crafting retirement plans for individuals and small businesses or putting together a college savings plan, I focus on developing tax-efficient strategies to help you plan for your financial future.


For many people, retirement is their number one financial concern. I recognize that and work closely with my clients along their retirement journey to create plans designed to grow with them over the years. Leveraging our experience and professional knowledge, I am able to not only help you generate an inflation-adjusted income during retirement, but also build sustainable generational wealth that will last for decades.


Everyone has a limited lifespan here on earth, and once we are gone all that remains of us is our legacy. I partner with you to help you secure a lasting legacy that will benefit your loved ones or favorite charity by participating in long-term investments that will continue to prosper over the years. Your legacy is important to both you and your family, so I strive to create a financial plan that is appropriate for everyone involved.

Find Out More

By addressing the four different areas of PAIL (protection, accumulation, income, and legacy), together we can create a comprehensive financial plan for you. Call our office today at (505) 369-1224 or email me at to sit down for a complimentary consultation where we can get to know you and start strategizing the best PAIL for you and your family or business.

About Kevin A. Brown

Kevin Brown is an independent financial advisor serving individuals and families in New Mexico. It is his goal to give unbiased recommendations and impartial guidance based on every client’s individual and unique needs and goals. Kevin enjoys helping people to feel confident in their financial future by developing a plan to help insure against what can go wrong so they can enjoy the luxury of investing for what can go right! Call his office today at (505) 369-1224 or email