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Knowing that financial services, life insurance and retirement information is not that interesting for most people, we built this page to be provide useful tips and information for your personal insurance and retirement lives. We’ll focus on best in class ideas about income planning in retirement, better policies for less money, lowering your premiums, succession planning, annuities and asset protection. We welcome your feedback and we appreciate it when you share this page with others or connect with us at Facebook and LinkedIn.


CD’s and bank savings’ rates are less than 0.02%. The Fed says these rates are not likely to increase over the next two years. Where do you find safety and higher interest rates? To learn more, click here.


  • 100% liquid
  • 2.45% Fixed Rate of Return
  • Greater than 2.45% interest potential using indexed funds, NEVER less than 0%
  • All gains are kept and can never be lost
  • No principal risk; no market risk
  • No surrender charges; small market value adjustment on surrender can be positive or negative
  • 100% guaranteed
  • Tax deferred

This article addresses the reasons for the declining rate of life insurance ownership. Not only do we agree, but not enough people realize the potential value of replacing their existing policies with better, more innovative ones, usually for less cost.


Why are sales of Indexed Universal Life (IUL) increasing year over year, one of the few bright spots in the life insurance industry? The reason is because the cash values are invested in indexes, not directly in the market. Zero percent is the lowest rate that can be credited to the policy, therefore there are no losses from market performance, ever. When markets are up, the policy is credited with gains that can never be lost. If funded properly, IUL can be used to generate retirement income on a favorable income tax basis.

Take a look at the Forbes list of the best life insurance companies in 2020. Acting in a fiduciary capacity, we represent multiple companies in order to place each client with the right company. We are proud to say that we represent nearly every company on this year’s list.

Working with a fiduciary is important on many levels. The new SEC Best Interest rule will help protect investors/consumers from unethical financial service professionals: https://www.investopedia.com/what-is-the-sec-s-regulation-bi-best-interest-rule-4689542 or you can visit the SEC website. As fiduciaries, we are proponents of transparency and disclosure.



More and more grandparents are using annuities to create guaranteed, lifetime income for their grandchildren. The annuity and its income is safe from the typical threats and risks that many families will face. Annuities avoid probate, divorce, market risk and other mismanagement risks. For some, there is great value in seeing their grandchildren receive guaranteed annual income with the knowledge it was left specifically for them.

Can you get a life insurance policy during Covid 19? These are interesting times and people are wondering about life insurance coverage payouts during pandemics? If you are concerned about a specific life insurance policy, please feel free to contact us or the issuing insurance company directly. I can think of no reason why the coronavirus (COVID-19) would be cause for a denial and since the pandemic began. I am aware of no reports indicating that life insurance companies are denying claims due to the virus.


A Few Bear Market History Facts:
1) Since WWII, bear markets occur every 6 Years.
2) A 30 year retirement will experience 5 Bear Markets.
3) Expect no gains during 50% of your retirement.
4) After a market bottoms, it takes 22.5 months on average, to reach the peak where it started.
5) Most of bull market gains are in the first year.
6) Tired of volatility and losses? NEVER LOSE PRINCIPAL AGAIN.


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Why is the stock market up now, even though the economic news is so bad? This can be terribly confusing for people in or near retirement. Check this out from Quora.com. The explanation may help: https://lifecyclefinancialplanners.com/market-losses/


Online vaults are essential planning tools, getting better all the time. They are designed to securely have access to documents, account information, trust documents, contracts, insurance policies and password information in one place, Life Exec is leading the way. Check them out here: Click


In The News…Investopedia did an excellent job with this article about life insurance payouts, proper ownership and alternatives to lump sum payments to beneficiaries.


Is it possible for your retirement assets to be invested in the markets without suffering any losses?



Are Annuities Safe? During market uncertainty, keeping your retirement assets safe may be more important than usual. Yes, annuities are safe and they are worthy of strong consideration in your Individual Retirement Accounts (IRAs). They guarantee two of the most important things in retirement – principal and lifetime income. For many people, the stock market volatility causes too much anxiety in retirement. Market indexed or fixed indexed annuities take all the guesswork out of retirement income planning. On the other hand, riskier assets do not guarantee income or principal protection.


All insurance professionals are not created equal. Like surgeons, attorneys, auto mechanics and accountants, insurance agents are not the same either. There are significant differences among them and those differences matter. The Internet supports conference calling and other technology that gives us the ability to connect with one another like never before. Now you access to the best insurance and retirement professionals, regardless of where you live.


McKinsey may be right about how financial advice will be consumed in the future. The future of financial services offers consumers tremendous value through customization. It will be increasingly important for us to use real-time data and technology on a more ubiquitous basis. Consumers want advice during market turmoil, expecting us to be there with level-headed recommendations. A lesson from the coronavirus disruption suggests that high income earners and HNW people want guidance from experienced professionals, especially during volatile times.


How Do I Compare My Existing Term Life Insurance Policy To A New One To Lower The Premiums And Improve The Coverage?

  1. Determine how many years of coverage remain in your CURRENT policy?

    For example, if you bought a 20 year term policy in 2015, you now have 15 years remaining because the guaranteed term rate will end in 2035 or 15 years from now.

  2. How long is your current policy convertible without evidence?

    This is a critical deadline to be aware of in your existing policy and any new policy you may acquire in the future. Most people are unsure of when this deadline expires in the policy they currently own. The longer the better.

  3. List the other features in your term policy.

    For example, does your current policy allow you to take an advance against the face amount of the policy, at no cost? Or, does it have a return of premium option? There are several features available today that may not have been available when your policy was issued. Nobody should own a policy today without accelerated benefits.

  4. Base the new quote on your current health.

    Getting the best underwriting class will result in a big premium difference. The rates for Preferred vs Standard can be 20% or more.

  5. COMPARE! Share this information with an agent to obtain a quote.

    In no time, the numbers will tell the story. Maybe you can reduce your cost or maybe you can spend the same and get a policy with more years and more benefits. You will be surprised. The result should be a lower premium, even though you are 5 years older now.


From January 2019 to January 2020, many of our INDEXED annuity clients experienced more than 14% gains. This means the contract was credited with new principal of 14% at the anniversary. That new interest is added to the principal and can NEVER be lost. Indexed annuities guarantee NO LOSSES and new gains are added to the principal. It’s a great story.


Apply and Buy. Get up to $5,000,000 of life insurance online, with NO MEDICAL EXAM, NO BLOOD TEST and you don’t have to turn your urine over to a stranger. Nor do you have to meet in person with an insurance agent if you prefer not to. Everything can be done online in about an hour. All types of insurance products are available: Whole Life, Indexed Universal Life, Term Life Insurance, Universal Life. Read more about apply and buy…


The passage of the Setting Every Community Up for Retirement Enhancement (SECURE) Act, signed into law by President Donald Trump in late December 2019, loosens the rules on how employers can select annuity providers and include annuity options within 401(k) or 403(b) investment plans. Easing these rules is triggering more annuity options for qualified employees in the near future.


A retirement advisor helps you navigate the change from asset accumulation to asset protection and income distribution. Similar to financial planners, retirement advisors focus on protecting your assets and creating a plan for guaranteed income you cannot outlive.

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