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The purpose of this blog is to give you insight into the many different strategies used in the insurance industry that can help you make informed financial decisions. Many of these concepts are used everyday by experienced advisers and they can be used to help you.

 

Saturday, December 2, 2017

Tulip mania is a term used to describe a time during the Dutch Golden Age during which contract prices for some bulbs of the recently introduced and fashionable tulip reached exuberantly high levels and then dramatically collapsed in...

 

Thursday, November 30, 2017

The Dow Jones Industrial average hit a record new high Thursday, topping 24,000 for the first time, adding to the already sizable 2017 gains of 401(k) investors that have exposure to stocks in their retirement accounts. The 2017 stock...

 

Monday, November 13, 2017

One good thing about the proposed bill is that a reduction in the pre-tax 401(k) savings limit is off the table, for now. The bill has a lot of other details in that do affect retirement savings. For example, the bill released Nov. 2,...

 

Thursday, November 2, 2017

A lot of people are a little confused about the 2018 open enrollment season. Since President Trump recently cut off a few important Obamacare subsidies paid to insurance companies to help lower out-of-pocket medical costs for...

 

Tuesday, October 17, 2017

With so many annuities out there it’s hard for an individual to know which one is right for them. If you’re looking for something with NO RISK to the principal but still linked to an index that historically out performs...

 

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Monday, October 9, 2017

A common assumption among those who have assets in qualified accounts is that they actually own them all. Because these funds are 100% taxable a person may own only 60-70% of them. Uncle Sam owns the rest!! This example (click link...

 

Thursday, September 28, 2017

One of the biggest problems facing high-income earners today is taxes and it's also a problem for anyone deferring capital gains using a qualified account like a 401k or an IRA since withdrawals are taxed at an ordinary income rate. A...

 

Friday, September 15, 2017

Danica Patrick, professional race car driver and athlete, is the spokesperson for Life Insurance Awareness Month for the second year, spreading the message of financial fitness. "Life insurance is one of those things that you can...

 

Saturday, August 19, 2017

The Benefits of Owning a Captive Insurance Company A little background on what a captive is an insurance company is. Captive insurance companies are wholly-owned by one or more non-insurance companies to insure the risks of its owner...

 

Thursday, August 3, 2017

Are potential capital gain issues keeping you from selling your property? Did you know there is a way to sell your property and drastically reduce your capital gains tax? Would you like to free yourself from tenant and maintenance...

 

Friday, July 21, 2017

Allianz 222 Annuity Video Allianz just announced it will be lowering the bonus on their 222 fixed indexed annuity effective Agust 1, 2017. If you're concerned about saving for retirement – but you also want the potential for...

 

Friday, April 21, 2017

Amid predicted tax hikes and market volatility, with 85% of Americans already giving to charity, charitable planning remains a largely untapped opportunity. There are simple programs which can be easily implemented that can provide...

 

Thursday, February 23, 2017

The likelihood of outliving your assets is REAL! Click here for this free brochure.

 

Tuesday, January 31, 2017

Allianz 222 Annuity Video Allianz just a announced a bonus increase on their 222 fixed indexed annuity effective February 7, 2017. If you're concerned about saving for retirement – but you also want the potential for income...

 

Wednesday, January 25, 2017

The word annuity for some can be the end of the conversation drawing upon a perceived Idea of what an annuity is usually based on a lot of misinformation and bad publicity. But yet billions of dollars are put into annuities every year...

 

Tuesday, September 13, 2016

I first met Dave and Laurett Arenz at a conference in San Diego July 2016. They're husband and wife team with their own national radio show called Hero's Talk Radio focused on helping people achieve a tax free retirement using the RAFT...

 

Tuesday, August 23, 2016

Allianz 222 Annuity Video If you're concerned about saving for retirement – but you also want the potential for income increases – Allianz 222 Annuitymay be a good choice. Allianz 222 Annuity provides the typical features...

 

Monday, August 22, 2016

Indexed Annuity Insights

 

Tuesday, August 9, 2016

Many small-business and manufacturers’ associations praised the proposal set by Republican presidential candidate Donald Trump to take the U.S. federal corporate tax rate from the highest to one of the lowest among developed...

 

Tuesday, April 19, 2016

Allianz 222 Annuity Video If you're concerned about saving for retirement – but you also want the potential for income increases – Allianz 222 Annuity may be a good choice. Allianz 222 Annuity provides the typical features...

 

Tuesday, April 19, 2016

“PremiumLife Plus™ involves the lending of funds to a person or company to cover the cost of an insurance premium.” Top Reasons to Finance Life Insurance Premiums Leverage – Most self-made millionaires are...

 

Tuesday, February 9, 2016

Guaranteed Universal Life (GUL) also called “No Lapse or “Secondary Guarantee Universal Life” is really a Term life insurance that has a guaranteed level premium and guaranteed death benefit for a limited period....

 

Tuesday, February 2, 2016

Even with the markets continuing to set records, there’s still consumer demand for fixed-rate guarantees with principal protection. Most retirees and baby boomers are looking for contractual guarantees and benefits, which has...

 

Monday, January 18, 2016

Allianz 222 fixed indexed #annuity bonus has been raised to 22% for the next 40 days only and ends on Feb 22. Allianz 222 Annuity Video If you're concerned about saving for retirement – but you also want the potential for income...

 

Tuesday, January 5, 2016

1. What does a life insurance trust do? An irrevocable life insurance trust or ILIT gives you more control over your insurance policies and the money that is paid from them. It also lets you reduce or even eliminate estate taxes, so...

 

Tuesday, December 15, 2015

What are some of the tax implications of owning U.S. property as a foreign national? Life insurance can provide planning solutions for the unique U.S. tax challenges that Foreign Nationals face. Resident and Non-Resident Aliens are not...

 

Sunday, December 13, 2015

We've previously devoted a number of discussions to the use of life insurance by physicians including a look at how to buy insurance and discussions of its specific uses and how much life insurance a doctor and his or her spouse...

 

Wednesday, December 9, 2015

How it works A good prospect for premium financing might be someone who is still working and needs life insurance, but is not ready to liquidate his assets. For example, let's say Sam, age 67, wants to leave a legacy of $5 million to...