Don’t Judge IULs By Illustration Alone
Joe Client is 45, male, a non-tobacco user, and his health suggests a standard rating. He calls two agents and they both agree to “run some numbers” for him. Joe wants to max fund a policy with [...]
Joe Client is 45, male, a non-tobacco user, and his health suggests a standard rating. He calls two agents and they both agree to “run some numbers” for him. Joe wants to max fund a policy with [...]
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 [...]
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 [...]
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. [...]
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’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 [...]
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 [...]
“Rule #1 Never Lose Money. Rule #2 Never Forget Rule #1.” – Warren Buffett Since 2000 the S&P 500® has had two years of declines greater than 20%[1]. In fact going back to 1900, history [...]
In 2010 alone, Americans paid $5.8 Billion in penalties for early withdrawals from qualified plans according to IRS numbers Qualified Plans (like 401(k)s and IRAs) were designed to facilitate [...]
Well if you don’t, you’re in good company. According to Secure Retirement Institute (SRI) research, 50% of participants have no idea what they pay. Nearly 40% of participants in a qualified (to [...]