"There is only one difference between a long life and a good dinner: that, in the dinner, the sweets come last." – Robert Lewis Stevenson. We all want our retirement years to be financially secure, but the "Golden Years" are anything but sweet for many. Even the best plans can be completely derailed by market [...]
Over the years of our life span, we are increasingly seeing changes occurring at a faster rate, which affects our lifestyle. Here in 2020, since the official start of Covid-19, we now have two or maybe three vaccines to combat this disease. What would normally have taken four to six years to complete has been [...]
"Index investing" is a passive investment strategy used by some investors in an attempt to generate returns comparable to a broad market index. Proponents of index investing believe that it's impossible to beat the market once you take fees and taxes into account. Many people involved in index investing find index funds to be more [...]
How would you like to play poker where the casino told you they would guarantee you that you will make money on every winning hand and, you would break even on every losing hand. You would line up for that table, wouldn’t you? That is precisely what we offer with Fixed Index Annuities. Tax deferral [...]
Fixed Indexed Annuities Stay Focused On The Ball While Riding The Market Roller Coaster During These Uncertain Times Our year 2020 is turning out to be a real Doozy (nail biter) due to the Covid-19 virus and this historic election year as our economy is reopening and then is slowed or stalled and pushed forward [...]
Our economy is picking up steam and moving forward after the Covid-19 pandemic shutdown our country has been enduring. The economy is showing it is resistant and is very strong and moving forward. There will no doubt be surprises and some resistance, but given the business comeback we are seeing, the market in my view [...]
Leading Economic Indicators On March 19th, The Conference Board released its report showing the Leading Economic Index (LEI) for the U.S. up 0.1% as of February to 112.1 (2016 = 100). Following a 0.7 % increase in January, and a 0.3 percent decline in December. The Conference Board report shows the U.S. LEI rose just [...]
Are you using responsible management to maximize yields and reduce market risk As I work with pre-retirees and retirees, I am always amazed at their emotional response to managing their essential money. Believing the fallacy that if they give this money to the same brokerage firm their peers use to manage and invest in the [...]
Conjecture: the formation or expression of an opinion or theory without sufficient evidence or proof I want you to absorb that definition because “financial conjecture” is a dangerous thing. Not only is it a dangerous thing when you accept financial conjecture from family or friends, but what about when it’s from a nationally recognized “financial [...]
Last evening with a potential client during our discovery/proposal meeting, one of the most asked questions concerning the FIA (Fixed Indexed Annuity) "How Can They (the insurance company) Do That" came up again? This is a very significant question that should be addressed and answered for those that are putting their life savings into this [...]
