The Jet Plane Of Financial Vehicles

I've explained in previous articles why I believe that the 401K, IRA and other qualified plans need to be retired. These three videos explains the benefits of an IUL contract over traditional and qualified retirement savings plans.

What Is Estate Planning Part 2

According to Joe Pippen author of Ask an Attorney, everyone has three primary options in estate planning.

Option 1: Do Nothing
The most popular option is to put off planning indefinite and hope that the need to plan will go away. This is clearly the worst option, although 60-70 percent of Americans choose those option.

If a person fails to plan his estate, the state he resides in plans it for him.  Every state has a written a Will for everyperson who fails to create his own.  This is called a statutory Will.  The statutory Will that the state creates for  you decides how your estate will be distributed and who will be named your personal representative.  The state also decides who the guardian of minor children will be and makes many decisions that individuals should make for themselves.

Many Americans Will Not Be Able to Retire Until Their 80s - How About You?

According to a new report, many Americans will have to work into their 80s before being able to retire. The lower your income, the longer you'll have to work. Those making $11,700 or less, will have a 50% chance of retiring by 84. Those making $72,500 and up, will have a 50% chance of retiring at age 65.

What Is Estate Planning? Part 1

Estate planning is much more than just having a will.  In a broader sense, it is the process of creating and implementing a program for the protection and transfer of wealth.

Just as each person is unique, so is the estate planning for each person.  Estate planning begins during your life and can continue long after your death.  It is the understanding of your own limitations and the planning for possible guardianships and incapacity problems far in advance.  Estate planning is also the process of simplifying the procedure of distribution and using methods to save taxes, probate, and administrative expenses.

Many people think they have “too little” to be concerned about estate planning; however, in most cases, this is not true.  In fact, I have read studies which indicate that there is a much higher percentage of administrative costs in a small estate than a large estate.

The Best Investment Ever Made

I figured that I would start my tribute to dads early this year.

I'm blessed to be a father to 3 amazing young ladies and a grandfather to 4 beautiful little girls.  Being a father isn't easy by any stretch of the imagination, but I've learned that being a dad yields incredible dividends and  gets easier if you just keep on trying and growing.

I learned this from a man that made being a dad look so easy... I know now that it wasn't. Thanks Dad.

The Hidden Wealth System Tax Savings Strategy

You probably think that you’re already doing all you can to maximize your income and minimize your taxes but, the U.S. tax code is complex and confusing. Trying to take maximum advantage of the tax code can be more than a little complicated. However, not taking advantage of all its provisions can reduce the value of your capital assets and the income they produce for you by hundreds of thousands of dollars; especially over 20 or 30 years of retirement.


The Hidden Wealth System Tax Savings Strategy is a comprehensive approach that uses a combination of six techniques and several provisions of the tax code to minimize your taxes and maximize your income. It is not tax advice or tax preparation, but a comprehensive tax strategy that uses a combination of six techniques and several provisions of the U.S. tax code to minimize your taxes and maximize your income. This is accomplished by simply rearranging the way you own and use your capital assets.

A little-publicized tax code could help save you money

Most individuals are unaware of a little-known tax code that's available to all investors regardless of their income or net worth.

The internal code section for this tax break is IRC 7702. One of its components refers to the tax-advantaged growth of the cash value inside of a life insurance policy. If properly structured, an individual has the opportunity to both grow their investment money and access their money (before or after age 59 1/2) without ever paying taxes on the gains.

The Greatest Salesman In The World: Scroll One

Today I begin a new life.

Today I shed my old skin which hath too long suffered the bruises of failure and the wounds of mediocrity.

Today I am born anew and my birthplace is a vineyard where there is fruit for all.

Today I will pluck grapes of wisdom from the tallest and fullest vines in the vineyard, for these were planted by the wisest of my profession who have come before me, generation upon generation.

Today I will savor the taste of grapes from these vines and verily I will swallow the seed of success buried in each and new life will sprout within me.