by Laurel | Jan 2, 2020 | Annuities, CD alternative, Insurance and Retirement Planning
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:...
by Laurel | Dec 17, 2019 | Health and Welness
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...
by Laurel | Dec 16, 2019 | Client Spot Lights
“We have never met anyone quite like Beau. He is the most empathetic and caring advisor we have ever worked with. He has become very near and dear to our hearts.”- Frankie Fralick I have worked with Frankie Fralick and John “Arthur” Nettles...
by Laurel | Dec 12, 2019 | Medicare Advantage Plans/Medicare Part C
Short Answer: Yes, you can still dis-enroll from your Medicare Advantage after the Annual Election Period (October is 15-December 7) but you still have to qualify for Medicare Supplement by answering health questions… so you might run a risk of not getting...
by Laurel | Dec 12, 2019 | Retirement, Retirement Planning
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...
by Laurel | Dec 5, 2019 | Life Insurance
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...
by Laurel | Dec 5, 2019 | Retirement Planning
Wealthy clients looking to use life insurance in their estate plans may find that funding their policies with a loan makes sense, especially as interest rates are still relatively low. The goal is to exploit low interest rates to get a cheap loan, which funds premium...
by Laurel | Dec 5, 2019 | Income during retirement, Retirement
Life Insurance in Retirement Most people think of life insurance in terms of the financial benefits it provides to relatives when you die. But many don’t realize that you can often use it to your advantage even sooner. Certain types of life insurance policies can be...
by Laurel | Nov 21, 2019 | Annuities, CD alternative, Financial products, Income Rider, Indexed Annuity, Insurance and Retirement Planning, MYGA
Annuities are a good investment if you are buying them for the right reasons. You can buy annuities for safety, long-term growth, or income. For example, a fixed multi-year guarantee annuity might make an attractive alternative to a CD; variable annuity might be...
by Laurel | Nov 8, 2019 | Client Spot Lights
Beau is one of the most thorough, diligent, and fun person we have ever met. He explained everything we were considering and even took unnecessary things off the table we had been considering. Highly recommended. Tom and Elaine a successful boutique real estate in...
