From the category archives:

Investments & Annuities

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 […]


Higher Taxes and Reduced Benefits are Your Future

by TheProAdvisor on October 19, 2010

I want you to honestly ask yourself two questions: First, are taxes likely to be higher or lower in the future? Second, are government benefits likely to be larger or smaller in the future? I think most Americans would agree that based on the current economic situation and government spending, that taxes must rise in […]


The Complex Web of Estate Planning – Probate, Wills, Trusts, and Directives.

July 20, 2010

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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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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Planning for Retirement – What You Really Need To Know.

October 22, 2009

Planning for retirement requires different strategies before and during retirement.  Unfortunately, this simple fact is not understood by many financial advisors.  That is why it is important for you to work with a “Financial Professional” who understands retirement planning if you are retired or nearing retirement. Shifting Concerns in Retirement Prior to retirement, your main […]

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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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Qualified, Non-qualified, and ROTH – What’s the Difference?

August 26, 2009

When it comes to investments, there are generally two types – Qualified and Non-qualified.  So what exactly do these two terms mean?  They specifically relate to the tax treatment of the investment, or in simpler language, how the investment is taxed. A Qualified investment is one where the taxes on the invested dollars and interest […]

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