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INVESTING

Life Insurance Product Spotlight

September is Life Insurance Awareness Month and I urge each of you to take a look at your life insurance. In the August 9 issue of the Wall Street Journal, an article featured a couple of retired school teachers in upstate New York who, years ago, when interest rates were significantly higher, purchased a type of insurance product that was based upon those interest assumptions. Unfortunately, their life insurance premiums went up significantly because of the low interest rate environment that exists now.

By |2016-10-23T00:20:27+00:00September 25th, 2015|Blog, Insurance Planning, Product Spotlights|0 Comments
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Life Happens. Are You Prepared?

{1:00 minutes to read} September is Life Insurance Awareness Month. Other assets that you purchase, such as investments, real estate, or property, get reviewed and managed as a matter of course. But when it comes to life insurance, many times people just buy it, put it in a drawer, and leave it there.

By |2016-10-23T00:21:16+00:00September 25th, 2015|Blog, Insurance Planning|0 Comments
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What the Low-Interest-Rate Environment Means for Your Estate Plan: Loans to Irrevocable Trusts

{4:10 minutes to read} Going into 2015, we've experienced the continuation of what has been a low-interest-rate environment. While this is a good thing for people who are applying for mortgages, it might not be the best thing for your financial plan when it comes to investing. However, it might be a great opportunity for your estate plans.

By |2016-10-23T15:58:48+00:00June 16th, 2015|Blog, Estate Planning|0 Comments
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Big Picture Planning

When we look very closely at things, we sometimes get a distorted view. Let's say we are looking closely at the ground. If we place a level on the ground, we can see that the earth we are walking on is flat. But as we move up and away from the ground, eventually we can start to see that the earth is actually not flat, but is round.

By |2019-07-20T06:31:16+00:00January 1st, 2015|Blog, Estate Planning, Financial Planning, Retirement Planning|0 Comments
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Premium Financing? What is That?

I want to introduce a concept that has become popular over the last few years since interest rates have gone down. It is a concept called Premium Financing, with which wealthy people can acquire needed life insurance liquidity for trusts set up for their families.

By |2019-07-20T05:03:15+00:00September 12th, 2013|Blog, Estate Planning, Financial Planning, Insurance Planning|0 Comments
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Mortality Credits and Guaranteed Income

Retirement planning for people over the last 5-6 years has become a little more challenging than it used to be. People are now more cautious with their money, and their focus on generating guaranteed income for life is becoming a greater necessity.

By |2019-07-20T04:59:53+00:00July 11th, 2013|Annuities, Blog, Estate Planning, Financial Planning, Retirement Planning|0 Comments
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Securities offered through Osaic Wealth, Inc. member FINRA/SIPC. Advisory Services offered through Osaic Advisory Services, LLC (Osaic Advisory).Osaic Wealth and Osaic Advisory are separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth and Osaic Advisory.

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