Teachers are Vulnerable

December 27, 2016

  Teachers Are Vulnerable The Department of Labor (DOL) has approved a rule, that will become effective April 2017, that holds all financial advisors to a fiduciary standard of care when providing investment advice on retirement accounts and IRAs .  This means an advisor must recommend what is in a client’s best interest when it comes

5 Ways Life Insurance Can Pay Off Before You Die: As Seen In Kiplinger!

October 20, 2016

As Seen In Kiplinger! Many people who have life insurance are paying premiums for one reason—to assist their families after they’ve died. 1. Provide for life stage needs. You can access an insurance policy’s cash value, as it accumulates, through a loan or withdrawal when needed. When structured properly, it can fund part of your

Let’s Admit It: We All Need Retirement Income

September 13, 2016

  Let’s Admit It:  We All Need Retirement Income No matter what situation you find yourself in, whether you have $5 million or $50,000 saved for retirement, we can all agree that retirement income is the foundation to every financial plan.  A house without a strong foundation can never become a safe home to dwell

RMDs, Dividends, and Taxes, Oh My!

August 16, 2016

  RMDs, Dividends, and Taxes, Oh My! Just like Dorothy was afraid of lions, tigers, and bears in the Wizard of Oz, many retirees (especially those of higher net worth) are most concerned or “afraid” of how to minimize their tax obligations in retirement.  It’s not about how much you make in retirement, but how much you

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

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