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When you think about your hard-earned assets, what comes to mind? Maybe your home, savings, or that small business you’ve nurtured over the years.

Mastering expert financial planning strategies is like having a roadmap for your money

When most people start thinking seriously about their financial future, they become overwhelmed by all the options out there like stocks, bonds, mutual funds, IRAs, etc. It can feel like a maze. But, then they look into retirement annuities.

Most employees find out that the state of California retirement benefits like CalPERS is not enough. Here's how to fill in the gap

If you're shopping for life insurance, it may seem a bit overwhelming to determine which is the right coverage for you and your family.

Up to 68% of Americans lack a will or a trust, meaning that most estates must go through probate to be settled. That's unsettling! But, did you know that life insurance generally avoids probate? When you pass away, life insurance typically goes to your family income tax free. In some more rare cases federal estate taxes may apply if the policy proceeds and other estate assets combined exceed the substantial estate tax exemption amount, or if a state has an inheritance tax. B

You've got assets and you want to make sure your family avoids probate, right? The solution is to set up a living trust. Setting up a living trust It's a simple process, but it requires you having some idea of how you want to distribute your assets, who your trust executor will be, and your health care directive. Contact us here  to chat and begin the process of setting up your trust. Here Are Some Benefits to Creating a Living Trust Privacy (probate is public) Avoid costly l

If you're a new homeowner, congratulations! Not only is a house a major and exciting purchase, but it's an asset that needs special protection. That is life insurance for mortgage protection. Life and Mortgage Insurance Let me paint you a picture that is unfortunately all too common. Imagine a family move into their new house and after some time, the head of household passes away. Let's say his wife is a stay at home mom raising the kids. Will she now have to take up a job? H

You can spend a lifetime accruing assets, but if they're not properly protected, they can be caught up in probate.

Most people are familiar with term life insurance and know about whole life insurance when it comes to a permanent life policy , but is...

One of the most frequently asked questions clients ask is, "Should I overfund my life insurance?" The answer is: Yes or no. Let's go deeper. When it comes to permanent life insurance you have options. A whole life insurance product is a guaranteed life insurance policy to the age of 99. You pay a premium and it's guaranteed until then. An Indexed universal life insurance product (IUL) is not guaranteed. It has the potential to last until you are 120 years old, but it also ha

Retirement planning should include life insurance. Whether it's a term policy, whole life, or other form of permanent life insurance ...

When it comes to retirement there's a couple things to consider: risk and taxes. How much risk are we comfortable with associated with...

Here are 4 things to do if you're the recipient of life insurance money benefits.

If you're an employer and want to incentivize key employees, but also get tax benefits, you'll want to consider an Executive Bonus Plan....

I’m going to break down in an unbiased way the differences between the IUL , GUL, and Whole life. In the video below you can see...

Financially thrive in 2025 no matter what the economy is doing.

We're probably all familiar with traditional retirement plans like a 401k, Traditional IRAs, Roth IRAs, etc. We may also have basic or...

More than ever are people looking to start businesses. I think people are realizing there’s not much job security working with someone...

If you're a recent widow or widower I'm deeply sorry. My condolences to you. I know it's a tough situation and I'm sorry you're going...