No place to put your money is perfect. Every single type of investment has pros and cons.  Most of you know that I am a big fan  (where appropriate) of Index Universal Life (IULs) policies. I personally own 5 and Norma owns 2 policies. So do my daughter and brother. I wrote a whole book about them: “Tax-Free Millionaire” which is available on amazon in paperback and KINDLE. You don’t have to like life insurance. You only have to like … Continue reading

The huge mutual fund company AllanceBernstein just released their study about how adding the guaranteed lifetime benefits of a fixed index annuity (FIA) can improve retirement spending by 10% over the traditional 60/40 portfolio. It’s not the 1st whitepaper to have similar results! The 60/40 portfolio is dead! Let’s bury it and use strategies for today’s economy. And I’m guessing the mutual fund company has no idea what the best FIAs are. Furthermore, they are completely missing my RMD strategy … Continue reading

I’ve just released my newest book “TAX-FREE Millionaire”.  CLICK the button below to get your copy (e-book or paperback) from Amazon. If you don’t have a KINDLE device, you can download the FREE KINDLE app for any PC or Mac from amazon’s website. It’s really just a “shook” (short book) that I used the same chapters describing Universal Indexed Life (IULs) in my “Get Me to ZERO” book. My new “shook” just focuses on how so many of my clients … Continue reading

Of course, nobody knows what the future holds in the stock and bond markets. Warren Buffett has said for years that in the next decade the stock market will only return mid-single digits (including dividends). Maybe he’s too bullish (at least according to Vanguard). In this Blog Post, I’m featuring market predictions from Vanguard for the next 10 years – just published in their April 2021 Advisor newsletter. I’m sure many of you will be surprised to see their predictions! … Continue reading