We live in Henderson, NV which is located just outside of Las Vegas and is ranked #1 on the 2017 list of safest cities to raise a family, partly because of it’s routinely low crime rates. A couple weekends ago a few of us were out riding ATVs in BLM land behind our home. The …

Continue reading “Avoiding Risk”

I turned the key in the ignition switch but nothing.  What was going on?  Then it dawned on me.  I had been waiting for my son to get out of his appointment with the ignition off, but my lights were on.  Swoosh, there went all the reserves in my battery.  Just when I thought everything …

Continue reading “Need a Jump?”

Neil Armstrong, the first man to step foot on the moon, once commented that “We only have a certain number of heart beats, and I don’t intend to waste any of mine.” What an awesome philosophy about life. This past month, August 2017, we delivered death claims to the beneficiaries of two of our clients. …

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“Currently, ordinary dividends and short-term capital gains on assets held less than one year are subject to income tax.”[i]  But life insurance dividends are different. First of all, dividends paid on life insurance are only available to you if you own participating whole life insurance.  And the number one thing that you need to know …

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It used to be said that “All Roads Lead to Rome.”  And at one time, that statement was probably true.  But that was centuries ago. Belief in such a statement today could land you in trouble. The same is true about whole life insurance.  It used to be said that whole life insurance cost more …

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Over 4 million people will retire this year.  That’s nearly 11,000 per day!  And nearly 9 out of 10 of them all have the same worry: “Will I out outlive my money?”[i]  Many accountants and financial planners run financial models to assure their clients that they will have the money they need to meet future …

Continue reading “The Number 1 Retirement Worry of Today”

Remember George Strait’s song, “Ocean Front Property” and how from his front porch in Arizona, you can see the sea?  Released in 1987 it became the song of the year and is still a favorite country single.  The great appeal of this song is that everyone can relate.  Everyone has been “sold” or at least …

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Nothing is more heart breaking than to hear of someone passing who leaves unpaid bills and loved ones poorly provided for.  And literally, here in the United States, it happens every day; 6,912 people die every day leaving bills unpaid and loved ones inadequately provided for.[i] But it doesn’t have to be that way. Today …

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It is reported that when Hillary Clinton diverted from her scripted speech and spoke from her heart saying, “…you could put half of Trumps supporters into what I call the basket of deplorables,” that one of her closest advisors texted a friend, “With that statement, Hillary just lost the race.”  And today we know that …

Continue reading “The “Grouping Effect””

We live in an abundant world where we have the potential to accumulate many things, many of which become detrimental rather than beneficial to our well being. This plain fact, again, was pressed upon my mind this past weekend.  We were visiting some near relatives who are consummate hoarders.  From the exquisitely expensive to the …

Continue reading “The Clutter of Life”