Blog

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 every day by experienced advisers and they can be used to help you.

Concerned about saving for retirement?

Stuart Chamberlin | Tuesday, August 14, 2018

If you're concerned about saving for retirement – but you also want the option of lifetime income with the potential for increases – Allianz 222 (®) Annuity from Allianz Life Insurance Company of North America (Allianz)...

Charitable Planning Strategies

Stuart Chamberlin | Wednesday, June 27, 2018

Chamberlin Financial has a strategic partnership with Legacy Tree Foundation to offer charitable planning services to our clients. Legacy Tree Foundation only works directly with advisers, not the public so you must work directly with...

Chamberlin Financial now has a strategic partnership with NIW Companies

Stuart Chamberlin | Monday, June 18, 2018

Kai-Zen is a strategy that helps you maintain your current lifestyle in the event of a chronic illness, premature death, or an inability to sufficiently save for retirement. Protecting your earnings is critical to insuring your...

Social Security Expected to Tap Into Reserves in 2018

Stuart Chamberlin | Wednesday, June 6, 2018

According to the Wall Street Journal Social Security is expected to dip into its reserves this year. There are many factors contributing to the depletion of the trust fund including an aging population and lower projected tax revenue...

Safety of Principal, Income for Life, and Inflation Protection

Stuart Chamberlin | Thursday, April 12, 2018

The Consumer Price Index rose 2.4% in March compared to a year ago. Rising prices were seen in Hotel rooms, apartment rentals, and hospital cost. The US has had almost no inflation for the past decade until recently. The Federal...

Ibbotson: Fixed Indexed Annuities Beat Out Bonds

Stuart Chamberlin | Tuesday, March 20, 2018

In his latest research, economist Roger Ibbotson argues that fixed indexed annuities have the potential to outperform bonds in the near future and smooth the return pattern of a portfolio. Click this link for the full article. On the...

Benefits of an Executive Bonus Plan

Stuart Chamberlin | Monday, March 12, 2018

One great way to attract good employees and keep them is to offer an Executive Bonus Plan. An executive bonus plan (Section 162) is a way for business owners or companies to provide additional supplemental benefits to key employees or...

A Safe Retirement

Stuart Chamberlin | Wednesday, March 7, 2018

How do you create a safe retirement and still participate in the growth of the market? It may sound too good to be true but it's not! You have to have an open mind and consider something that you may have a bias against because of...

Guggenheim's Minerd concerns of a possible replay of 1987 stock market crash

Stuart Chamberlin | Wednesday, February 21, 2018

How many of you remember Black Monday? For those of you too young to remember in finance, Black Monday refers to Monday, October 19, 1987, when stock markets around the world crashed, shedding a huge value in a very short time. The...

Rate Change Update

Stuart Chamberlin | Wednesday, February 14, 2018

This post is an update to my last post regarding "Reducing Risk in A Volatile Market" The A+ rated insurance company I was referring to just an announced a rate change to their fixed indexed annuity. The new participation rate that...

Reducing Risk in A Volatile Market

Stuart Chamberlin | Monday, February 5, 2018

Today the market plunged for a second straight session, with the DowJones Industrial Average dropping more than 1,400 points and the S&P 500 Index enduring its steepest single-day decline since August 2015, erasing its gains for the...

5 Key Facts About the New Tax Bill

Stuart Chamberlin | Tuesday, January 9, 2018

The enactment of the Tax Cuts and Jobs Act (TCJA) represents “the most sweeping overhaul of the U.S. tax code in more than 30 years.”1 For millions of Americans and businesses it means an altered financial and investment...

The overlooked annuity alternative

Stuart Chamberlin | Tuesday, January 2, 2018

There are many benefits of owning an annuity-like tax differed growth and income for life. But eventually the taxes will be due at an ordinary income rate and for non-spousal beneficiaries, the death benefit will also be taxed. There...

Tulip Mania and Bitcoin

Stuart Chamberlin | 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...

Dow hits 24,000 for the first time

Stuart Chamberlin | 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...

Tax reform: How the House bill affects loans on retirement accounts

Stuart Chamberlin | 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,...

Open Enrollment 2018

Stuart Chamberlin | 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...

Increasing Income In Retirement

Stuart Chamberlin | 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...

Qualified Plans and the IRS Case Study

Stuart Chamberlin | 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...

Tax-Free Distributions

Stuart Chamberlin | 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...

September Is Life Insurance Awareness Month

Stuart Chamberlin | 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...

Captive Insurance Company Benefits

Stuart Chamberlin | 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...

Stuart Chamberlin | 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...

Stuart Chamberlin | 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...

Charitable Planning

Stuart Chamberlin | 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...

Stuart Chamberlin | Thursday, February 23, 2017

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

Stuart Chamberlin | 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...

Stuart Chamberlin | 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...

The RAFT Strategy for a tax free retirement

Stuart Chamberlin | 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...

Allianz bonus rate change-222 fixed indexed annuity will be reduced from 20% to 15% on Sept 7, 2016

Stuart Chamberlin | 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...

Stuart Chamberlin | Monday, August 22, 2016

Click the link below to learn more about Fixed Indexed Annuities. Fixed Indexed Annuity Insights

Stuart Chamberlin | 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...

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