Houston, we have a problem!

Today, August 29th, 2017, day 4 of Hurricane Harvey, I am sitting at my computer In Houston, Texas, safe and secure for the time being. At this point, I do not know what awaits my fellow Texans who have been directly affected by the destructive winds and flooding Hurricane Harvey has produced. Nobody does. Like [...]

By |2017-10-23T00:04:43+00:00August 31st, 2017|Annuities|

Three Things To Know Before Buying Municipal Bond Insurance

The attraction to owning municipal bonds is twofold, limited exposure to loss and tax advantage interest. Many bond owners also purchase insurance on their bonds to ensure safety and security are part of the equation. With the financial meltdown from 2008, concern over exposure to loss has become more and more important to investors. If you [...]

By |2018-03-11T00:35:20+00:00August 30th, 2017|Bonds|

How Many People Are In The New American Economy: Living Paycheck To Paycheck?

Concern by many employers that will need to increase their minimum hourly employee compensation is a major concern. The federal government sets minimum hourly rates for employees however many sectors of our economy have successfully lobbied exemptions to the $7.25 hourly rate. Who is exempted is astounding, the reasons behind the government’s decision are as [...]

By |2017-10-23T00:07:44+00:00August 24th, 2017|Retirement Planning|

Two Basics You Must Know About Annuities

  Some people find annuities difficult to understand. This can be due to the many different types of annuities or the fact that they are so unique compared to other types of investments. People just haven’t encountered anything like them. However, if you need additional income for retirement, an annuity might be exactly what you [...]

By |2017-10-23T00:08:55+00:00August 24th, 2017|Annuities|

The Dreaded Four Fears Of Retirement Planning

Every day I hear from those who come into my office four fears: 1. The fear of outliving my money 2. The fear of having to put off retirement 3. The fear of having to go back to work 4.  The fear of having to cut back on my lifestyle These are genuine concerns and [...]

By |2017-10-23T00:11:13+00:00August 11th, 2017|Annuities|

A Simple And Successful Approach For Your Nest Egg

In the spring of 1983, a 61-year-old Australian sheep farmer named Cliff Young entered his first ever running race. Without any previous racing experience, he chose for his running debut one of the toughest races in the world: a 543-mile ultra-marathon stretching from Sydney to Melbourne. Besides Cliff Young, the race was comprised of young, [...]

By |2017-10-23T00:13:32+00:00August 8th, 2017|Annuities|

How Do I Pick The Right Agent To Help Me?

Currently, there are well over 1,200,000 life insurance agents in the United States. How can you ever decide which one is best for you? Plus there’s all this “fiduciary” stuff being thrown around to confuse you even more. Let me make something clear. If you are currently a life-licensed agent and you sell anything other [...]

By |2017-10-28T21:46:11+00:00August 7th, 2017|Insurance|

Women And Investing It’s A Different World

As an advisor, I meet with single women quite often.  Be it from divorce or the passing of their husband; I see women come into my office frustrated and fearful. Women have different views and needs when it comes to retirement planning advice and for several reasons. First, let's look at the science behind why [...]

By |2017-10-23T00:16:47+00:00August 2nd, 2017|Retirement Planning|