Legacy Abitrage

Use Legacy Arbitrage to extend benefits to heirs Definition of 'Arbitrage' from Investopedia "The simultaneous purchase and sale of an asset to profit from a difference in the price. It is a trade that profits by exploiting price differences of identical or similar financial instruments, on different markets or in different forms. Arbitrage exists as [...]

By |2020-04-17T18:00:50+00:00December 12th, 2019|Estate Planning, Uncategorized|

Does Wall Street Math Match Up With Actual Results

I frequently ask clients during our first conversation, “what is the average return of the market?” Usually, without fail, they answer, “7% - 8%.” My next question is, “when has it averaged that return?” Usually, without fail, they answer, “historically,” or something to that nature. My response to this answer is, “do you think it’s [...]

By |2020-04-13T20:24:35+00:00October 4th, 2019|Annuities|

Your Broker Wants You To Know All Quiet On The Western Front

If you haven’t read the colossal epic book about WWI, All Quiet on the Western Front, you might want to give it a go. Erich Remarque's novel about the horrors of war and the effort to remain alive while both witnessing and causing indescribable carnage is intense. The book catapults you to that time and [...]

By |2020-04-15T01:11:34+00:00September 20th, 2019|Investing|

Normalcy Bias And Your Retirement Income

Will everything in your life remain normal? “Normalcy Bias”: a belief people hold when considering the possibility of a disaster. It causes people to underestimate both the likelihood of a disaster and its possible effects. Many people may tend to believe that things will always function the way things have performed in the past. This [...]

By |2020-04-17T23:11:39+00:00August 18th, 2019|Retirement Planning|

A New Idea That Has Been With Us For Over 200 Years

“Only money left over after paying taxes can be spent. For the average person in the U.S., 34.5% of that sum goes to pay interest alone, to finance car purchases, homes, and various other purchases. This money is gone forever. It is making persons in the banking business wealthy. It can be yours to enrich [...]

By |2020-04-13T18:01:27+00:00August 14th, 2019|Insurance|

Wall Street’s Latest Attempt To Create An Annuity: Bond Tents

Beware of bond tents that are disguised to act like an annuity It never ceases to amaze me to what lengths Wall Street will go to with their products to make them pretend to be an annuity. Remember, all brokers want to do is make changes in your portfolio for if they can, the more [...]

By |2020-04-15T21:02:04+00:00November 29th, 2016|Annuities, Retirement Planning|