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Date Archive

Last week while we were all feeding our faces like gluttons over the Thanksgiving Holiday our government’s gluttonous spending reached a new milestone: our National Debt hit $18 Trillion.  That’s Trillion with a T! If you like to see zeros it looks like this: 18,000,000,000,000. I don’t want to get too political and I certainly […]

Here are five great questions I’ve gotten over the last few weeks. What really struck me are most of these are items that usually aren’t the first things that pop up in conversations about the concept but are really important.   1. Does having an IUL or contributing to an IUL affect yearly tax reporting […]

One of the real joys I get in my practice is meeting and working with entrepreneurs. I caught the entrepreneurship bug early in life.  My first business partner was my brother, Joe.  We started All Star Baseball Cards together as kids in Oxford, Ohio.  Ah, the 1980s…some of you probably remember the sports memorabilia market […]

That’s a topic that is weighing on the minds of many these days…and apparently it has been for some time.  In fact in preparing this blog I Googled “Market Due For Correction” and most of the first page of results was stories or pages with datelines more than six months old. Historical data would suggest […]

Most of my retirement- focused clients like the cash accumulation potential of indexed universal life (IUL).  For some people though it is just too darn complicated or has too many moving parts.  Some people like (and need) the low cost death benefit protection that term life insurance offers but don’t like the idea of at […]

One of the under appreciated and often ignored sources of value many families have is existing life insurance policies.  If you haven’t sat down with your agent and done a “policy audit” recently I’d encourage you to dig those policy documents out of storage, dust them off; and with the help of a good agent, […]

I’ve already lost a lot of eyeballs with my relatively tame, non-provocative title.  I’m sure a title like “Real Photos of Aliens Storming City Hall” would generate more views.  Make them naked aliens and I’d generate even more page views.  There is a great deal written about our shortening attention spans as a society.  I […]

Helping people to live better and retire better really is my mission professionally. More and more I’m finding that people I interact with in everyday life simply do not understand the retirement plans they have through their employer (like a 401(k) or IRA).  They don’t understand their exposure to 4 huge limitations or “Wealth Eroders” […]

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