Learn tips and tools to increase savings, balance risk & return, and maximize your retirement savings.

Will The Future Be Surviving A Financial Armageddon?

"Will the future be surviving a financial Armageddon? Big Stock Market increases of wild Market swings that keep you up at night?" - Ray Cessna There are times in your life that you will never forget!! Dates that you know exactly where you were and what you were doing. Would your grandfather say he was [...]

Will You Be Dragging Debt With You When You Retire?

"According to recent Federal Reserve research, Americans are behind on more than $600 billion in bills. Nearly one in ten of us has a debt in collection."- Teresa Kuhn. In the fourth quarter of 2020, total U.S. personal debt reached a record $14.15 TRILLION, higher than the pre-recession peak of $12.68 trillion. The debt situation [...]

Long-Term Care: Most Americans Don’t Even Know They Are Going To Need It.

"U.S. government statistics say that over 70% of Americans 65 and older will need long-term care at least once in their lives. Yet, only 33% of us understand and acknowledge that we're likely to need long-term care in the future."- Robert Cannon Various studies over the past decade indicate that Americans tend to vastly underestimate [...]

Is Your Financial Advisor Talking Up “ILAs?”

"You may be hearing more about a newer type of annuity product- the ILA, or "buffer" annuity in the coming months. But, be careful you know the pros and cons before jumping on the bandwagon."- Dave Barr With interest rates hovering near-zero for at least the next couple of years, indexed linked annuities (ILAs), also [...]

By |2021-03-02T18:38:39+00:00February 27th, 2021|Annuities, Estate Planning, Insurance, Investing, Retirement Planning|

The U.S. Debt Gone Mad!

If you know the truth about America's finances, it should make you mad! Consider that One-fifth of all United States dollars ever printed has entered existence within the past year. A WHOPPING 20% of our new money supply printed within the past year! This craziness has led the Federal Reserve to expand the US balance [...]

Mistakes Government Employees Must Avoid If They Plan On Retiring In 2021-2022

“If you are a federal or state employee planning to retire in the next year, you should waste zero time planning your exit.”- George Politarhos If you are like most federal employees under the Federal Employees Retirement System (FERS), you have numerous things to consider. Many Federal, State and local employee programs complicate retirement planning [...]

Some Key Points Of President Biden’s Tax Plan

"By focusing on low and middle-income earners, Joe Biden hopes to stimulate a pandemic-ravaged economy. The impact could be significant for higher net worth individuals and corporations."- Jerry Yu. Now that both the House and Senate are in the hands of Democrats, it is likely that President will be able to get more of his [...]

Should You Use Alternative Investments To Increase Your Portfolio’s Diversity And Resilience?

2020 was a year notable for a series of disruptive economic events, dramatic shifts in the way Americans work, and renewed interest in alternative markets, especially those embracing change to maintain relevance. The year began smoothly enough as many asset classes and indices experienced growth from the beginning of the year until around the middle [...]

Are “Hybrid” Policies The Cure For Rising Long-Term Care Costs?

"Even before the pandemic, the senior health care marketplace was experiencing rate increases, capacity shortages, and changes in coverage. The pandemic further deepened these trends." Ken Reeves As you plan your eventual exit from the workforce, it is likely your retirement and income planner has talked to you about the need for long-term care insurance. Long-term care insurance [...]

What Is A Short-Selling Squeeze

"Depending on to whom you listen, the recent GameStop "short squeeze" affair will have little to no impact on long-term investors, or… it will change everything."-Eric Coons If you saw the film The Big Short, starring Christian Bale, then you have undoubtedly heard of the standard Wall Street practice of "short selling." While there are [...]

By |2021-02-09T08:21:54+00:00February 8th, 2021|Annuities, Bonds, Financial Planning, Investing, Retirement Planning|