What Will You Do If Your Pension Fund Isn’t There For You?

A “private pension plan”, instead of, or in combination with, your provided plan might make sense… This is a very serious situation – not in its singularity, but commonality*. We, as a society, experienced a fantastic unprecedented growth period in our securities markets, and in our capitalist system for roughly twenty years, 1980 – 2000…a.k.a. “The Roaring

The Social Security Dilemma: Take it Now, Or Wait? (Part 2)

In the first part of our presentation on the Social Security Dilemma… We suggested that the breadwinner (or older) member of the family take the SS payments at Full Retirement Age (FRA). Assuming the cash is not necessary for immediate living expenses, use that to purchase a “10-pay” Whole Life insurance policy. That will create:

Your Financial Advisor is Carrying a Loaded Weapon

Your Financial Advisor is Carrying a Loaded Weapon When looking to invest in a new car, most people cringe at the thought of having to deal with a silver-tongued salesperson. A sales approach can be intimidating, and can create confusion regarding the attributes or benefits of the product, and how it relates to your

What happens to your investment account, or 401(k), when the markets are falling?

Learn what happens to your investment account when markets fall.

We have seen tremendous volatility in the stock markets over the last 16+ years, haven’t we? Twice in that period the market indices have gone lower by well over 30%!

What have we seen in the Whole Life policies we use for wealth accumulation and growth? No losses. That’s right, no losses.

Why? Participating Whole Life insurance from Mutual companies are not tied to the markets. The policies we use are tied to a “business model”. What is a “business model”?

“A business model describes the rationale of how an organization creates, delivers, and captures value, in economic, social, cultural or other contexts. The process of business model construction is part of business strategy.” https://en.wikipedia.org/wiki/Business_model

In other words, the way a company makes money is the way you will grow your money.

The purchase of a mutual insurance company’s whole life policy provides “ownership” in that company, and provides “participation” in the profitability of that company’s business.

Whole Life Insurance isn’t impacted by the stock market at all, and with that, volatility becomes near-irrelevant. Rather than buying into a risk-oriented model, you need to sit down with your financial advisor and probe. Ask about risk, returns, cash value, living benefits and steady growth of wealth over time. Ask for “guarantees”!

If you were offered ownership in a conservative, old-line, proven and profitable company, would you be interested, or would you prefer to buy the company’s stock (provided there was stock available)? Buying the stock would, of course, expose you to the whims of the market.

Well, mutual insurance companies have not issued stock; ownership is, again, through the purchase of insurance policies. Wealth accumulation occurs through the issuance of dividends and policy (cash) growth.

When the markets collapsed in 1929, 2000, and 2008, the whole life policies were unaffected; growth continued in a very consistent manner. Imagine living with the knowledge that any drops in the markets can be ignored by you!