1. Need Income? The Market Might Not Be Your Best Bet!…. Understanding Sequence of Returns

    I hear a lot of clients talk about how well the stock market has been doing since the crash of 2008.  "Oh, yeah! Ive made all the money back and then some!"... the same ole story.  But let me ask you this:  What if you were having to take income during those down years?  What would that have loo…Read More

  2. Amended/Revised: So you don’t need Long Term Care insurance??

    When it comes to long-term care, two facts stand out. First, an estimated 70% of people will need such care, which will be costly. And second, most of them refuse to buy insurance to cover it. The question is, why? Part of the explanation, no doubt, is that long-term-care insurance is expensive. Som…Read More

  3. Client Spotlight: Dave and Carolyn Jones

    Dave and Carolyn Jones Here is another prototypical couple right here in Asheville.  Dave is a semi-retired pharmacist, who also is a very talented carpenter.   While Carolyn is a magnificent and extraordinary talented artist.  She has also offered to beat me in tennis several times. However I am…Read More

  4. Are you looking for a safe CD Alternative with MORE interest?!?!?!

    Hot New Multi-Year Guarantee Annuities are a great CD alternative with a guaranteed interest rate of 2.9% for 2 years, or 3.85% for 5 years. I would like to point out that a 1-year CD is paying a mere 2.00% and a 3-year CD is paying is paying 2.55% (Source: www.bankrate.com).  Now I want to talk ab…Read More

  5. And in Health News…..10 Amazing Health Benefits to Eating Hot Peppers [Scientifically Proven]

    Eat Hot Peppers... The Hotter, The Better!! The documented health benefits from hot peppers continues to grow at a break-neck speed, similar to the increasing popularity of consuming hot foods in various forms. The heat and health benefits comes from a chemical called capsaicin. Historically, spicy…Read More

  6. Early Withdrawal Penalties for Traditional and Roth IRAs

    Most professionals would all be on the same page that it is rarely a good idea to take an early withdrawal from a traditional or Roth IRA. Mainly due to the substantial cost an early withdraw can cost (not to mention losing out on years of potential earnings). Early distributions from IRAs (that is,…Read More

  7. Collateral Assignment of Life Insurance to Get A LOAN!!

    A collateral assignment of life insurance is a conditional assignment appointing a lender as the primary beneficiary of a death benefit to use as collateral for a loan. If the borrower is unable to pay, the lender can cash in the life insurance policy and recover what is owed. Businesses readily a…Read More