An Alternative to Bonds

July 26, 2016

An Alternative to Bonds These days, there is just no yield to speak of in traditional money instruments (like money markets and CDs), including bonds. Typically, a balanced portfolio could consist of a percentage of equities and a percentage of bonds -the exact breakdown determined by an individual’s risk tolerance, time horizon and objective, (focused more

Myths and Misconceptions of the Financial World

June 27, 2016

Myths and Misconceptions of the Financial Industry Oftentimes, we respect and value someone’s opinion because of their educational background or industry experience.  It’s rare for the common person to doubt a strong opinion if there’s enough accolades, degrees, or certifications qualifying it.  But did you know that doctors used to endorse Camel cigarettes in the

Medicare Made Simple

June 9, 2016

MEDICARE MADE SIMPLE Even if you decide not to file for your Social Security Benefit until Full Retirement Age FRA, or later, it is important to enroll in Medicare at age 65. Part A: You will be eligible for Medicare Part A at your 65th birthday. Part A basically covers hospital stays and nothing else.

Is Your Portfolio Cookie-Cutter?

May 9, 2016

  Is Your Portfolio Cookie-Cutter? This is YOUR life-savings we’re talking about.  Did your broker ever educate you on what your portfolio is comprised of?  No, I mean really educate you.  It always surprises me when we do an analysis of a potential client’s portfolio and we see the same types of scenarios.  People often

Looking Past the Death Benefit: What Can Life Insurance Do for You?

April 28, 2016

What can life insurance do for you? It’s not just about the death benefit When you reach this stage of life you may be questioning why you need life insurance. If you have children, they are probably all grown up by now and may even have families of their own. Your mortgage might be fully paid

Less Volatility = Less Worry: Our Investment Discipline

April 14, 2016

Less Volatility = Less Worry: Our Investment Discipline How do you want to spend your retirement?  Do you want to have to track the daily financial news headlines and manage your wealth on your own?  Or would you rather take solace in the fact that someone else has that job.  My grandfather was a successful entrepreneur and

Social Security Deadline Approaching: Don’t Miss Out!

April 12, 2016

Call us NOW! Don’t miss this important Deadline. There is still a very short window for some lucky souls to take advantage of two major Social Security claiming strategies. If you are 66 or older you have until April 30, 2016 to utilize the “file and suspend” strategy for the purpose of triggering an auxiliary

Many Faces of Annuities Part 4: Fixed Index Annuities

April 8, 2016

Many Faces of Annuities Part 4: Fixed Index Annuities The fixed index annuity- nicknamed the “hybrid” About 20 years ago, the insurance industry had a brainstorm.  What if they could create a new type of annuity that combined all of the good features that consumers liked about the other three types of annuities and eliminated the

What Matters Most in Retirement

April 7, 2016

What Matters Most in Retirement If you turn on the radio today, you might hear a catchy song which gives us a glimpse of what really matters most in life.  The song is called, “Like I’m Gonna Lose You” by Meghan Trainor and John Legend.  The lyrics speak of suddenly losing a loved one in

The Many Faces of Annuities: Part 3 Variable Annuities

March 30, 2016

The Many Faces of Annuities: Part Three VARIABLE ANNUITIES- The Good, The Bad, and The Ugly You may have heard a well-known investment guy scream “I hate annuities”! What a shame. He doesn’t specify what KIND of annuities he hates, so how would you know there are actually annuities he really doesn’t hate? In fact,