Wealth Talks

Recently we’ve had a few Indexed Universal Life policy contracts come across our desk for review. As part of our review process, we calculated the cost of insurance in these policies and compared it …

With possible changes to the tax code looming, it is likely life insurance will become an even more important planning tool for people who want to build and sustain generational wealth.

But there is …

Joe Biden is on record for stating “Americans will suffer under my administration”. Biden’s economic policies are threatening to turn out a lot like Jimmy Carter’s did in the 1970s. The good news is …

There is a fascinating history around governments and the way they deal with drugs. Hippocrates warned against the use of opium except for some medicinal purposes.

Yet by 1839 Great Britain was embro…

Beyond the fact that Sam was from Tennessee, we are ignorant of much of his life… except that his cremation was the strangest sight the Northern Lights have ever seen.

While not as strange, perhaps, …

Cancel Culture isn’t anything new. Although the name has changed over the years the selfish ideas and beliefs behind it have remained the same.

Cancel Culture and Critical Theory thinking, a hideous …

World population is a major concern… but not in the way many people see it. 

Anyone who has taken a flight across the US should realize that overpopulation is not even a remote problem. In fact, the …

There are two categories into which all Life Insurance products fall: Temporary and Permanent. In general, term products are classified as temporary insurance, while whole life and universal life pro…

How many times have you heard someone recite sentiments along these lines “It’ll be my kids’ problem by then”… implying that they will be dead and their kids will have to deal with the problem instea…

Some people firmly believe in financing every expense in life with a policy loan. Others believe in financing only the larger expenses, and many don’t know what to believe. This is a controversial su…

In American society, more and more people seem to be less interested in making any sort of commitment, preferring a quick and easy relationship. Those only seeking a relationship are typically absorb…

Ice cream containers are shrinking - again. It used to be common for ice cream to be sold in a half gallon cartons. Some years ago, cartons shrunk to 1.75 quarts and just recently many ice cream cart…

Gino Bartali was an Italian cyclist. Winning the Giro d'Italia in 1936 and 1937 and the prestigious Tour de France in 1938, Gino went on to win two more titles after the War, the Giro d’Italia in 194…

Buying a Whole Life Insurance policy is a lot like starting a business that is guaranteed to succeed. In a world where 90% of startup businesses fail, talking about guaranteed success seems strange -…

Paul “Bear” Bryant famously said “Offense sells tickets. Defense wins championships.” Many investment advisors today are hyper-focused on the offensive side of wealth building (investing).

Wealth bui…

Many people pursue money to their own misery. If they only had more money, they reason, they would be happy and contented. With this mindset, they will never be happy. They will either be poor and mi…

Securities. The very name fills one with the sense of safety, conjuring up images of bank vaults, locked safes and armed guards. 

Ironically, many so-called securities are not secure. In fact, most s…

Morbid as it sounds, to get the greatest rate of return from a life insurance policy, you could pay the first premium and then die. 

While we certainly don’t suggest this course of action, this metho…

In the world around us, many people have confused wealth with money. Sadly, many pursue money, but never take the time to build wealth. 

How do we build wealth, and how do we protect the wealth we bu…

Many Americans have worked hard to further their children’s education. Sadly, many realize too late, that much of the so-called “education” was really indoctrination which may have ruined their child…