My Comments: Recently, two clients have asked me about asset protection and whether they should start thinking about a trust. The answer is maybe. First, I have to remind everyone that I am not an attorney, and cannot advise people on legal matters. However, I can share basic knowledge that I’ve picked up over the …
Tag: Retirement planning
3 Ill-Advised Reasons Not to Buy Life Insurance
My Comments: I first became licensed to sell life insurance in 1976. Over the years, I’ve sold many policies, of all kinds, to all manner of people. Some of those clients have since died, though most have not. The skills and ability to help identify a problem and find a solution for that potential problem …
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Thought For The Week – March 5, 2014
My Comments: From time to time I’ve posted a article from an associate of mine in Southern California whose life for the past 40 years has involved life and health insurance, not unlike mine. He sends me his weekly newsletter from which this comes. By Gene Pasutla, Westland Financial Services, Inc. For the past week …
You Can Thank Ben Bernanke for 100% of the Stock Market Gains Since 2009
My Comments: I've been a supporter of the PPACA or if you prefer, ObamaCare, since the beginning. My belief in it is based on the trend in place where health care costs consumed an ever increasing share of our national GDP and sooner or later would come a sticky end. Whether the PPACA solves the …
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Three Key Strategies for Helping Clients Navigate Aging Plans
My Comments: OK, we’re all getting on in years, some of us more so than others. Baby boomers are starting to ask compelling questions about Social Security, about health care issues, and dozens of other topics that a 30 year old cannot yet start to think about. That’s OK; I couldn’t either when I was …
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How Strong Is The Stock Market?
My Comments: For many years, more than I care to remember, I searched for wisdom from among the many magazines and more recently, the many emails that cross my desk on a daily basis. How and what was going to happen and how could I help my clients benefit from the insights that surely came …
Checking In On The 1929 Stock Market Parallel
My Comments: The other day, on February 17th, I had a post that explained how today is NOT 1929 all over again. If you found that story, and this chart interesting, then here is a follow up. Hopefully, it will help you navigate the waters as they are flowing today in 2014. Chris Ciovacco, Ciovacco …
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Social Security: Planning Tips by Age
My Comments: I’m increasingly being asked by people to help answer their questions about Social Security. Here is a short overview of critical ages as you begin to think about retirement. by: Paul Norr / Wednesday, February 19, 2014 There are many age-related financial and planning milestones that clients will encounter in their sixties. Here …
Bad Is Stronger Than Good
My Comments: Yesterday, I reposted an article that claims virutally all economists are in agreement that the stimulus pushed by this administration served to keep us from falling into a drepression, and that the major argument was whether the stumulus should have been stronger. Here is an article from last week that considers the mental …
How Divorce, Remarriage Impact Social Security
My Comments: Recently, I’ve become a self proclaimed expert on Social Security. The truth is I’m more knowledgable than most and have access to resources that are expert. Among the many questions that folks who are approaching retirement are asking, are those that impact when and how they should apply for benefits. Of the 97 …
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Helping Define Your Financial Future 