From the category archives:


What if I told you there was an investment tool that allowed you to save money for retirement, allowed the money to grow tax-free, and that the income generated during retirement was also tax-free?  You would probably think it was too good to be true or you might ask what the “catch” was.  If you […]


Many hold the widespread misconception that estate planning is a subject of interest only to the wealthy.  The reality is that estate planning is a larger process consisting of the use of legal tools like wills, trusts, and directives to determine what happens to you, who gets your assets, and how they get them during […]

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Your Most Important Asset – It’s Not What You Think.

May 10, 2010

Recently, I was half watching the NFL draft when my son asked me “how much money” an NFL player makes.  If you know anything about football, you know that this is a very tricky question.  Position played, number drafted and team that made the draft, among many other factors make the “price” of the newly […]

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Sharing Important Financial Information with Loved Ones.

April 19, 2010

I recently had an interesting conversation with my wife.  It centered on the need to have a predetermined and reliable way to communicate important financial information with each other.  As you may remember from my earlier post, Filing a Tax Extension – Making It Work & Avoiding Penalties – I had concluded that my wife […]

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Tax Savings Tips – What you need to know before filing!

March 23, 2010

As tax day 2010 approaches, here are a few tips that will help you file saving as much as you can, with as little effort as possible and on time.  For those of you new to this blog – I hate taxes.  Income Tax, Estate Tax, Sales Tax, Gas Tax, You-name-it Tax – I loathe […]

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Veterans Day Salute.

November 11, 2009

I have actually spent the better part of the last week thinking about and reflecting on both the Marine Corps Birthday (Nov. 10th, 1775) and Veterans Day (Nov. 11th).  I found it very difficult to not only express my feelings on these two days, but to actually find something that paid even the slightest degree […]

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Happy 234th Birthday United States Marine Corps!

November 10, 2009

To all my fellow US Marines, their families, and loved ones – Happy 234th Birthday! From our humble beginning in Tun Tavern, to the Halls of Montezuma, the Shores of Tripoli, the sands of the South Pacific, the frozen landscape of the Korean Peninsula, the steamy jungles of Vietnam, scorching deserts of Iraq, and the […]

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New IRS Ruling May Affect Your Retirement!

October 2, 2009

Annuity owners and those with cash value life insurance definitely need to pay attention to this one.  The Internal Revenue Service (IRS) recently issued a revenue ruling that affects the tax-exempt status of some 1035 exchanges.  It specifically relates to how the IRS will categorize partial 1035 exchanges that result in cash being removed from […]

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Fixed, Variable, or Indexed – Which Is Right For You?

August 4, 2009

In today’s complex world of insurance, annuity, and investment products – three terms are thrown about without much explanation: Fixed, Variable and Indexed.  These terms define how interest is credited or earned on the investment. Unfortunately, many advisors routinely fail to present all three as valid investment choices for their clients because they are unable […]

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Financial Strength – The Truth Behind the Ratings.

July 16, 2009

I had a rather lengthy discussion today about the merits of financial ratings as they relate to insurance, annuity, and financial services companies.  The contention was that you should never deal with a company that doesn’t have the highest financial rating.  Granted, the financial advisor I was talking to works for one of the highest […]

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