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Boomers

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Summary: Mortgage Protection is just life insurance.  Life insurance is extremely important and most people don’t have enough of it.  Most people that purchased life insurance after responding to a direct mail solicitation for “Mortgage Protection” are paying way too much for their policy.  In many cases you can get a new policy and save […]


Indexed Universal Life with a Lifetime Death Benefit Guarantee You like so much about Indexed Universal Life insurance: • Low cost universal life chassis • Ability to earn interest based upon an external index like the S&P 500® • Interest credits that are locked in regardless of what happens to the index in the future […]


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 […]


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” […]


“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 suggests we can expect a market “correction” (decline) of at least 10% once every 3 or 4 years.  History also […]


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 saving for later or post-working years.  One of the key benefits is the deferral of taxes.  That’s the carrot.  The stick is a penalty structure that […]


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 pay taxes later) retirement plan like a 401(k) think they don’t pay any fees and expenses at all. Reform & Disclosure Regulations? Huh? […]


That’s the conventional wisdom the Wall Street Propaganda Machine and the Government sure pumps at us. “It’s a good idea to save for retirement using a 401(k) because once you’re retired your tax rates will be much lower because you won’t be working.” There are two reasons you ought at least reconsider that conventional wisdom […]

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