Do You Know And Understand Your Risk Tolerance

What does risk mean when it is concerning your retirement accounts? How do you determine your risk exposure? When considering risk decisions regarding retirement accounts the two most important factors are your current age and the number of years before you retire because as you age, you have fewer years to recoup market losses. Moving to more stable and safe options as we age can help remove the risk factor on a portion of your accounts.

By |2020-04-13T20:24:11+00:00March 13th, 2019|Investing|

Are Municipal Bonds Really Tax Free?

Are municipal bonds tax-free?  Might want to make sure. Municipal securities, also known as "munis," are bonds issued by governmental entities such as states, cities, counties, and other organizations. The bonds are sold to raise money for public interest projects such as schools, bridges, roads, and other municipal construction needs to benefit the public. Like [...]

By |2020-04-13T18:37:26+00:00February 2nd, 2019|Bonds|

Chevrolet or Ferrari, Which Would You Choose?

What if I told you I was going to give you $100,000 if you can drive from here to the next town in 30 minutes and $80,000 if you can make it in 40 minutes? The only condition is that you have to drive one of the two cars that I choose. One car is a Chevrolet sedan and the other is a Ferrari. The Chevrolet is dependable and powerful enough to get you there in just under 35 minutes. The Ferrari will get you to the same destination in about 20 minutes.

By |2020-04-13T19:38:28+00:00January 14th, 2019|Annuities|

At Risk

Every decision you make today, and action you take today, carries an element of risk and offers a potential benefit. It’s such an inherent part of life, and we don’t even think about it. The only time we think much about risk is when the risk makes us uncomfortable. We tend to measure risk with [...]

By |2020-04-13T18:50:08+00:00June 27th, 2018|Retirement Planning|

How Fixed Indexed Annuities Offer Guaranteed Income And Avoid Market Risk

Is guaranteed lifetime income important to you?   From time to time clients ask me for an analogy about what Fixed Indexed Annuities are and how insurance carriers can provide upside potential and growth while insulating the annuity owner from downside market risks. An analogy from the world of real estate investing may help understand [...]

By |2020-04-12T23:36:19+00:00February 26th, 2018|Annuities|