I know most of you reading this BLOG post are not paying $20,000 – $50,000 or much more a year (for the rest of your lives) for a life insurance death benefit to protect your loved ones (perhaps a Special Needs child) or to fund estate taxes. I mostly made this video for CPAs and laywers… …. But I don’t have any idea WHO in your family or circle of friends may be committed to paying a lifetime of premiums and want to explore if there was a way they could … Continue reading

The Social Security Administration has made a small change in accessing your account online. Beginning June 10, 2017 the SSA will offer two methods to check the identification of Social Security account holders. In order to ensure better protection for the consumer, the account holder will need a “one-time code” to log into the system. They will require that you enter a personal “code” that will either be texted to your cell phone or emailed to your preferred email address. Originally, there … Continue reading

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