1. Curious about a reverse mortgage? Here are some things you should know…

    Working with many seniors I find that they all have one primary concern: where am I going to get money??  The money for groceries, for home improvements, money for bills, money for insurance , etc.  And they all seem to ask: "What do you know about a reverse mortgage"? Long and Short: It allows yo…Read More

  2. What does it mean to be secure?

    We all struggle with security/insecurity . Personally, I worry about what others think of me. Did I say something wrong? Why am I "weird"? What does "quirky" mean? Is "quirky" a good thing?  (Okay, I might have just revealed a little too much;-) ) I worry about where I will be in 1 year, or 5 …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. 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

  5. Premium Financing for Life Insurance for the Wealthy

    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 payments for a cash-value life i…Read More

  6. Life Insurance in Retirement Planning

    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 used to generate additional s…Read More

  7. So are annuities a good investment? If you are buying them for the right reasons, they can be…

    Are annuities a good investment? If you are buying them for the right reasons, they can be. You can buy annuities for safety, long-term growth, or for income. For example, a fixed annuity might make an attractive alternative to a CD, a variable annuity might be bought for long-term, tax-deferred gr…Read More

  8. Feature Spotlight: The Income Multiplier Benefit on Allianz 222 Annuity

    There are many reasons to consider adding Allianz 222 Annuity and its built-in Protected Income Value (PIV) rider to your retirement portfolio. Because it’s a fixed index annuity (FIA), Allianz 222 offers traditional FIA benefits such as principal and credited interest protection from market downt…Read More