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Indexed Universal Life Insurance

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“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 […]


The short answer is “probably not.” I just presented the concept to a 66 year old retired police officer today.  Originally he was shopping term life. As we moved through the fact-finding process we found that his real objective was to leave something to his grandchildren.  I called it “Legacy Building.” He was too modest […]

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