Providing peace of mind and protecting your most important asset (you!), life insurance is a valuable financial tool for individuals, businesses, and families. However, managing life insurance's costs is essential to ensure you get the most coverage for the least amount. Fortunately, some strategies can help you lower the costs of life insurance. Here are [...]
by Brian Swerdlow As you transition to retirement, you might find yourself living in a different house in another state or country. You could be engaged in hobbies you never had time to do when you were working or might decide to become an entrepreneur and build your own company. Once you stop working, you [...]
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By Daniel Stewart Many people see their life insurance policies as financial safety nets and wealth transference vehicles for their loved ones. However, beyond the primary benefit of providing financial security to your family, your life insurance, especially whole life or indexed universal life, also offers powerful tax advantages that will help you achieve [...]
"Many people understand life insurance is a "necessary expense" but often overlook the valuable role insurance plays in enhancing their financial security."- Brian Swerdlow. By Brian Swerdlow For many Americans, talking about life insurance is right up there with discussing our hernia surgery or listening to Aunt Mabel drone on about her hydrangeas. It's [...]
"People desiring a long life must count the costs. There's a lot to think about when you want to live long and prosper." Jerry Yu, Reign Financial By Jerry Yu Reign Financial Living for as long as possible is an idea that appeals to many of us, especially as we begin thinking about retirement. Still, [...]
by Jerry Yu Reign Financial 401ks have numerous benefits and are critical to many people's retirement plans. However, 401ks have a few shortcomings that may make them problematic for some seniors. These plans may also pose issues for people who've changed jobs but decided to leave their 401k with that employer. If you fall into [...]
By Renee Chamberlain Are YOU covered? Properly designed and implemented, modern whole life insurance is a powerful financial tool that can help you pay down debt more quickly, manage your cash with greater efficiency, and help you save on taxes. It’s true that term policies are typically less expensive than permanent (whole [...]
Many retirement planners advise their clients not to put an annuity in their qualified plan accounts. But is this always the best advice? By Daniel M. Stewart Stewart Wealth Advisors Many retirement planners steer their clients away from using annuity products in qualified plans,such as IRA accounts. Putting a tax-deferred annuity into a retirement [...]
What are BOLI and COLI and how can they help business owners? "Bank-owned and company-owned life insurance (BOLI-COLI) has a proven track record of helping corporations fund executive compensation and improving their bottom lines." Teresa Kuhn. Authored By Teresa Kuhn, JD, RFC, CSA - TeresaKuhn.com An alternative to mutual funds, corporate-owned life insurance [...]
Authored By Teresa Kuhn, JD, RFC, CSA - TeresaKuhn.com *Teresa's latest book, "The 100 Year Real Estate Investor," is set to hit outlets, including Amazon, this fall. When you become a 100 Year Real Estate investor, you harness the power of something our team likes to call the "Dual Asset Strategy or DAS." A [...]
By Jerry Yu Several years ago, a successful career woman named Julia purchased a million-dollar life insurance policy from me. Many of Julia's family and friends questioned her decision. After all, they pointed out, she was only forty-six years old, in excellent health, and had very little debt. She and her husband earned a good [...]
