Category Archives: Sales, Financial

I Came In For A Long-Term Care Insurance Policy But You Said…

How do we address LTC insurance when the over-arching concern is retirement funding? Recently we had the pleasure of meeting with a couple, aged 65 and 53, regarding a Long-Term Care insurance policy (LTC).  Like many others in their age … Continue reading

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What’s Wrong With Universal Life Insurance?

What’s Wrong With Universal Life Insurance? Universal Life (UL), Variable UL (VUL), Indexed UL (IUL), Equity Indexed UL (EIUL) First, key points: UL, VUL, IUL, EIUL are all risk-inherent and not suitable as a retirement supplement or LTC vehicle if … Continue reading

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Regarding your finances…If you had it to do over, what would you do differently?

What would you tell your children, your grandchildren to do? What do you wish someone had convinced you to do? by L N Himel It’s been my experience that, generally, the young a) feel immortal b) need to experience for … Continue reading

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It’s Time To Think Outside The Box – Part 2

Have you wondered why your 401(k) or investment account has not done what you had hoped, and why so many seem to be experiencing the same anxiety as you?  Much of this has to do with “volatility” within the markets, … Continue reading

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It’s Time To Think Outside The Box – Part 1

As an alternative to the stock markets, we suggest a specific type and structuring of Whole Life insurance.  Now, before you close down on that title, “life insurance”, please allow us to explain: “Cash value life insurance” has been used … Continue reading

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Annual Review Items for your Financial Well-Being

Wish to make God laugh?  Tell him your plans… Our lives change quite unexpectedly, don’t they?  That’s why life, auto, and other forms of insurance exist.   Our financial well-being often depends on occasional updates. What we set up in … Continue reading

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8% isn’t always 8%…in fact, rarely! Arithmetic Averages are Deceiving

“Arithmetic Average” and “Straight-Line Projections” — frequently applied to investment gains, losses and marketing by Investment Advisors or financial sales people.  These “results” are not indicative of “actual” returns. Perhaps you’ve wondered why the returns on your investments don’t seem … Continue reading

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The Core of Personal Finance

The magic word?  Collateral. Everything we do in finance is based on…collateral.  When we buy a car with a loan, the car itself is collateral for the lender. When we buy a house with a mortgage, the house is collateral. … Continue reading

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Here’s that question again: do you have a will?

Here’s that question again: do you have a Will? In financial planning, the question of the Will is standard. Why? Well, do you have assets? Do you have under-age children? Do you have a spouse? These are just a few … Continue reading

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Busy, Not Now

Is it odd that people seem to be busy when the opportunity to discuss and deal with their finances or insurance arises? Who wouldn’t try to be too busy to attend to what is difficult, rarely explained well, and forgotten … Continue reading

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