1. What goes up, doesn’t have to go down!

    Why do you have to lose?  You don't! Do you ever wish you could only reap when the market makes money, without having to participate in down risk? Index Annuities allow you to achieve such strategy! First and Foremost, Equity-Indexed Annuities are not to compete with market returns.  Over the long…Read More

  2. Now’s the time to apply: “Life Insurers will start turning business away” but there is a caveat!

    NEVER THOUGHT I'D SAY IT! Life Insurance Companies are beginning to turn business away. COVID-19 and the resulting crash in interest rate are causing Life Insurers to rethink their projections.  Life Insurers pool premiums which increases capital reserves and hence helps mitigate risk.  That is th…Read More

  3. 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

  4. 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

  5. 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

  6. 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

  7. 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