How Permanent Life Insurance can act as a backstop for Retirement Needs Had a client who had saved money into a qualified plan for his retirement income needs. The client also had a need for more life insurance to give to his children additional financial protection. Ultimately a permanent life insurance policy was able to […]
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Most investors can’t afford a major portfolio loss. Active management can provide protection in volatile markets. Regular buy & hold strategies are often highly correlated with the market and with each other. Alternatively, active strategies can provide extra downside protection and useful diversification. Consider this: -In 2008, the S&P 500 was down 37%, whereas certain […]
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The business and economic cycles have a major impact on how you make decisions. So knowing that the yield curve inverted, what the stock market is doing and the what the 3-month average for the non-farm payrolls says is very important. However, generating profits is the main goal and that takes up probably 90% of […]
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Will Your Gains Be Overwhelmed by Inflation and Taxes? In an uncertain economic environment, many consumers are seeking fixed rate products like certificates of deposit (CDs) for security. While benefits such as short-term durations and a guaranteed interest rate can be appealing, two factors are often overlooked that can negatively impact a conservative fixed rate: […]
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Attracting, retaining and rewarding key employees can be challenging. As business owners, you may know first hand just how hard it can be to hold on to top employees. But since they are vital to the life of every business, keeping them committed is essential. Loyal employees are hard to come by, and with recruiting […]
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A lot of my meetings cover the important topics investors neglect. I hear the phrase, “I didn’t know, what I didn’t know” frequently. This means that complacency or putting important tasks off can potentially hurt your retirement, but also your life planning and legacy. Putting together a comprehensive retirement or financial plan covers topics […]
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In the accumulation phase of life, you were saving. But, if you’re at the distribution phase now, you are drawing down your retirement assets. “How you spend your retirement dollars in retirement IS JUST AS IMPORTANT as when you were accumulating them.” If you don’t have a plan for maximizing your withdrawal strategies, then you […]
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Here’s the main problem: Many professionals like doctors, dentists, lawyers and small business owners often find they have spent so much time and effort developing their thriving practices and growing their profitable businesses that they just didn’t have the time to plan for their own personal retirement situation. However, many small business owners and professionals, […]
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Watch the Video or Read the Article Let’s Face it, Women Control the Wealth! Here are the facts…. 51% or $14 trillion, of American personal wealth are now controlled by women.1 67% of women over 50 years old share in decision-making for finances with their spouses.2 Women will control about $22 trillion by 2020, […]
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The tax code is very complicated, but it also creates a number of strategies for you to keep more of your hard-earned money, especially if you’re putting it into retirement accounts. Uncle Sam is patient, but after a number of years of working and building your wealth, Uncle Sam wants his share of your retirement […]
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