“Faster, faster, faster, until the thrill of speed overcomes the fear of death.” That was the tattoo inked on the arm of the fellow sitting across the aisle on the plane.  And it is that same line of thinking that coaxes opioid users to have “Narcan Parties.” Narcan parties are the newest thing on the …

Continue reading “Losing Your Money is Optional”

In the 1970’s DMSO was very popular with athletes🏃🏽‍♂️but you had to go to the vacuum store to get it. Where is DMSO today? What about other Fad remedies that come and go? You can see a similar pattern in the Financial World too. Fads come and go, the Guarantees stick around through thick and …

Continue reading “Avoiding Loss Can Be More Important than Making Profits”

…And How You Can Profit from the Know How My mom took a tumble in the wee hours of the morning several weeks ago. This meant a ride in the ambulance to the hospital.  And after x-rays and CT scans we were told she had a broken arm and were sent home with a sling …

Continue reading ““How Burger King Out-Witted McDonalds””

CSO Tables…you won’t find these tables in any furniture store. CSO (Commissioners Standard Ordinary Mortality) Tables are produced by the Society of Actuaries and the American Academy of Actuaries, who work together to glean the data that provides insurance companies the necessary information to determine what reserves they need to keep in order to pay …

Continue reading “CSO Tables…And What They Mean For You”

There is absolutely no question that your money has the potential to grow faster if you defer the taxes you owe when you earn that money.  However, not knowing the tax rates that you will be charged in the future on that money is a gamble that may not be sustainable for you. Not to …

Continue reading “Should You Defer Your Taxes or Plan to Have Access to Never Taxed Money?”

Too many financial planners, CPAs and life insurance agents are so busy talking about rates of return that can be earned either in mutual funds, stocks, bonds or even life insurance, that they fail to properly inform you that most Americans are not saving enough money to retire on.  In fact, outside a brief spike …

Continue reading “How to Keep More of What You Earn”

Unless your degree is in science, technology, engineering or math, you have a 66 percent chance of regretting that you ever went to college.[i]  And that is in large part because the degree earned provides an insignificant difference in income earned. Take for example a registered nurse.  They will spend somewhere between $40,000 -$100,000 on …

Continue reading “2 out of 3 Regret Their College Degree”

Catch this Special Interview with Alex. Alex contacted our office for some policy reviews after his agent told him “let policy loans pay your premiums.” This started in the 90’s. 20+ years later results are plaintive. These were (and still are) good life insurance policies, but the funding strategy backfired. Policy loans can enable you …

Continue reading “Life Insurance Policy Loans to pay Premiums – Should You DO This?”

In a recent study it was discovered that the average American will spend $120,000 on alcohol during their lifetime. That comes to $2,400 per year, or $6.57 each and every day, for 50 years.  This daily cost exceeds the average cost of a six pack. And that means a lot of alcohol is purchased by …

Continue reading “CHEERS to this!”

Did you know, that successfully avoiding risk can be more important to your wealth than finding great returns? ⚠️ But most people (including financial planners) think they can “manage risk” when they’re simply hiding the risk instead. Don’t let this bite you.🦈 Learn from a real-life story of Steve Wynn’s Mirage Hotel & Casino + …

Continue reading “Are You Managing Risk by Hiding It Instead? Don’t let this Bite You!”