THANK YOU to all our brave veterans! Have a wonderful Memorial weekend. all the best… Mark

On May 9, 2017, I took an image of the US Debt Clock website. The number in the upper left hand corner is the total US National debt. The number is over $19 TRILLION dollars. That $19+ Trillion figure equals over $61,000 for each US citizen and more importantly over $165,000 per US taxpayer. You do know that something like 50% of the income earning Americans do not pay any income taxes, don’t you? It’s absolutely true.   (That $19 Trillion … Continue reading

You’ve seen his TV commercials or his ads in magazines and newspapers. He spends a fortune on these negative advertisements every year. According to Forbes, he’s worth over $3 BILLION dollars. He earned the bulk of his net worth by managing investors money (minimum investment is $500,000) and collecting quarterly fees. Nothing wrong with that. We are fiduciaries too and our firm charges fees for two of the stock/bond market “risk buckets”. But there are 3 risk buckets – not just two. (text continued below) So what about … Continue reading

The following is an example of “out-of-the-box” financial thinking. It certainly is not meant to make any recommendation for any individual or couple since everyone’s present circumstances and financial goals are very different.  It only serves to show that there are more possibilities out there to reach various financial goals than many people (including advisors) realize. Of course, the numbers shown below will vary based on age, gender and health. They could be better or worse – more attractive or … Continue reading

Do your business owner friends and relatives know what a Section 162 Bonus Plan is and how it can help them grow their business by attracting and retaining key talent? Section 162 Plans are a very typical way that small business owners can bonus their key employees in order to recruit and retain top talent. It can be a TAX-FREE ROTH IRA alternative with no IRS contribution limits nor income limits.  But once an employer learns how they can supersize these bonuses — WITHOUT … Continue reading