When describing the new Defined Outcome investments, a common question that I get is, “How do they do that?”. In other words, how can an investment just “not lose money” if the market is actually down? The answer is the use of options. A call option gives the owner the right (option), but not the obligation, to buy a security in the future at a particular price  The purchaser of the option will pay a one-time price for this option. Let’s look at what could happen in this … [Read more...]

I'm constantly looking for new investment options that are "out-of-the-box" and innovative. Fortunately, the investment landscape is always changing and companies are constantly innovating. Recently our company began using the investment option "Defined Outcome". It provides downside market protection without the long-term contract of an annuity. It also provides attractive upside potential when the markets make gains. Take a look at the short explainer video that I put together … [Read more...]

Here is an interesting article put out by the Retirement Researcher website blog.  It answers the question “Are Republicans or Democrats better for the stock market?” It’s an interesting conclusion…. If you have any questions, please feel free to contact me. … [Read more...]

Have you ever wondered whether you have too much or too little in savings at the bank? Having too little cash is a risk. Not only does it cause emotional distress, but it may put us in a position to require the use of high-interest debt to cover emergencies. Having too much cash in savings has an opportunity cost…..not much interest. There may be more productive places for these excess dollars somewhere else. The question is, how much is enough to have in savings? Here's how I help clients … [Read more...]

I believe that anyone can create a secure retirement by finding the answer to 10 key questions.   Three of the questions are about your retirement income.   One of them is about protecting your retirement income.   Three questions are about your assets.   One of them is about protecting your assets.   One is about taxes. The final question is about your financial legacy. Here they are…..  How and when will you take … [Read more...]