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Most people do not enjoy paying taxes. This is true both before and during retirement. But what many investors do not realize is that funds in traditional IRAs that grow on a tax deferred basis right now will eventually be taxed – and if future income tax rates are higher than they are today (as […] Read more

Comparing IRC 7702 vs 401k and 529 plans Which of these vehicles – if any – belong in your financial plan? When it comes to retirement planning, many people are familiar with the more “traditional” avenues, like employer-sponsored 401(k) plans and Individual Retirement Accounts, or IRAs. But there are some additional options that a lot […] Read more

How Business Owners Can Protect Their Assets Entrepreneurs and small business owners face a variety of financial threats, ranging from the liability risk that comes with interacting with the public to dangers like recession, or an accident that impairs their ability to operate their business. Aside from general risks such as an economic downturn or […] Read more

Traditional and Roth IRAs versus Life Insurance Which of these financial vehicles can really help you achieve future financial security? There are many ways to save and prepare for retirement. Because everyone’s goals, risk tolerance, and time frame can differ, though, there isn’t just one single strategy or financial vehicle that is best for all […] Read more

How to Protect Wealth When the Fed Is Raising Rates The low interest rate environment of recent decades appears to be on the way out. While rates may not currently be high by historical standards, they are nevertheless significantly above where they were just a year or so ago. With the Federal Reserve vowing to […] Read more

Surprising comparisons, unexpected results! You likely already know that life insurance is often purchased to help survivors pay off debts and supplement lost income when an individual passes away. But what you might not realize is that this flexible financial vehicle can be used for so much more, including college savings, healthcare and long-term care […] Read more

If you do a simple search like “Bitcoin and Life Insurance” a flurry of articles with numerous concerns pop up.  Topics of interest concern things like, whether life insurers are poised to begin accepting bitcoin OR the involvement of major life insurers in either purchasing large amounts of bitcoin or increasing involvement in the fast […] Read more

Decentralized finance (DeFi) is a fast emerging ecosystem which allows financial products of all kinds, from coins to digital art (NFTs), to be made available on a decentralized blockchain network.  The programmable applications and protocols being created on the blockchain such as ethereum, solana and cardano, allow financial transactions to be executed automatically on the […] Read more

This is an updated article originally written in 2020. Back in early 2020, the DOW plunged in the wake of an oil war and concerns about COVID-19.  This did more than raise a few eyebrows in the financial community and had the rest of the masses furiously racing back to monitor their portfolios. In February […] Read more

Whole life insurance is an asset that provides you with liquidity, tax deferred growth and a solid financial foundation. When life insurance is used as your own bank, you have a store of wealth that is protected from the ebbs and flows of the market, but the ability to draw upon your money when opportunities […] Read more