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A couple of the top-rated life insurance carriers I work with are now offering true non-tobacco rates for tobacco users that don’t smoke cigarettes. Make no mistake:  these aren’t gimmicks like small face amount policies or products that are priced so poorly to begin with it isn’t a big deal.  Term life and permanent policies […]


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 […]


For the last few weeks, social media, conventional media, your holiday celebrations, and your water cooler conversations have been full of talk about “New Year’s Resolutions.” Those of you reading this doubtlessly are familiar with the cycle of broken resolutions despite the best of intentions. I’ve come to the conclusion that the best time to […]


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 […]


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? […]

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