Skip to main content

Your Vision · Our Team

Blog

Premium Finance Life Insurance

One of the more interesting developments in the last few years has been the opportunity for more households and business owners to take advantage of a strategy which includes bank financing for funding life insurance premiums. The reason why bank financed life insurance is so attractive is that a policy holder will gain the advantage of using other people’s money (sometimes referred to as OPM or by the term “leverage”) to help them increase their wealth, protection, and tax-fre
View More

Annuities: Fact, Myth, Fallacy

The best-known annuities are pensions and Social Security. Yes, as confirmed by SSA.gov, “Social Security is essentially an inflation-adjusted annuity” 1. It is U.S. Government backed and provides a steady income stream for life1. Have you ever heard anyone say they would not want to take their pension or Social Security? Who doesn’t want an income stream for life? Annuities are a fantastic retirement planning tool when used the right way.
View More

2021- The year with the most planning issues to discuss in my 25-year career

Never before in my career have I witnessed the number of planning issues that need to be addressed compared to what is occurring this year.This list includes some of the issues that everyone needs to keep in mind as we move forward in 2021:Stock Market The market is at an all-time high with inflation increases for this last quarter as indicated by Big Charts from Market Watch as of June 2, 2021. What happens next? Is a significant market correction imminent?
View More

Health Insurance Things to Think About for Retirement Planning

Long-Term Care Insurance: What it Is and What it Is Not One of the largest risks to your retirement plan is the need for Long-Term Care. 69% of those turning 65 this year will need some kind of long-term care during their life, according to longtermcare.gov. Long-Term Care creates a cash flow issue. It is not an asset problem. The problem is not only what will it cost for residential care, which could be $60,000 to $100,000
View More

Estate Planning: It’s a Team Effort and Everyone Needs It

You Are an Estate Planner. Whether you are aware of it or not, you are an estate planner. You may have done some obvious things to plan, like completing a Will and Powers of Attorney, or buying life insurance. But even if you have not done these purposeful things, you are continually planning your estate as you work to have earned income, save, invest, and spend your money. As you buy or sell a home, get married, have children, insure your car and house, file your taxes, and many more thing
View More

The Distribution Phase: When you are not in Kansas anymore.

In the movie The Wizard of Oz, after being transported by the tornado, Dorothy looks around in bewilderment and says to her dog, Toto, I have a feeling we're not in Kansas anymore. This phrase has become to be widely known and used when we have stepped outside of what we consider to be normal, or when we have come upon a place or situation that is unfamiliar. I believe this is a great way to describe entering the distribution phase of financial planning upon retirement.
View More

The Value of Roth IRAs

The Value of Roth IRAs“It’s not what we don’t know that hurts. It’s what we know that ain’t so.”, Will RogersUnfortunately, there is a great amount of disinformation distributed by financial journalism that is not in the public’s best interest. I asked a mentor of mine why that is, and he replied that the media (magazines, financial TV shows, newspaper articles) are not knowledgeable enough to know the truth, and that they are happy to accept the sponsor
View More

Who needs to watch action movies when this stuff is going on? - Feb 2021

Wow! Chaos! Divisiveness! Nasty name calling! Conspiracy theories! Who needs to watch action movies when this stuff is going on?In our client meetings this past month, many concerns have been voiced by our clients about the impact on the future of the economy from the change in the Presidential Administration, the political environment (polarized parties, presidential impeachment, lawmakers under attack, etc.), and the pandemic.Interestingly, during all this pandemonium the stock market has been
View More

Going Back to Basics – Jan 2021

With a new year upon us, and 2020 behind us, now is a good time to go back to the basics with your financial planning. Even the best laid plans are subject to the events that happen in our individual lives and in the world. The financial markets are not the same as they were a year ago and, after 2020, we are certainly not the same individuals that we were a year ago. There is a new reality; and with that comes new perspective. Having at least an annual review of your plan is vital to its succes
View More

Good News for Finances - Dec 2020

Despite all the turmoil surrounding the election, and a surge in the COVID pandemic, there is some really good news to share.
View More

Investing Perspective Highlights –Nov 2020

With all that is happening in the world today, a discussion from an investing perspective may be a good idea. We have highlighted some topics that people need to be aware of. Thinking about these can be overwhelming. We can help you through this. If you would like to discuss any of these, please contact us.
View More

Jay's Timely Topics for Discussion -Oct 2020

The point we are at now may prove to be one of the most profound times in personal finance history. Never before have we had all of these circumstances occurring at the same time. Now is the time to be talking to us about the impact of these on your financial plan. Below is a list of some of the issues and strategies we are reviewing with our clients. If you would like to discuss any of these, please contact us.
View More
Check the background of this financial professional on FINRA's BrokerCheck
Check the background of this financial professional on FINRA's BrokerCheck