Ways to Better Health in 2019
At Neeser Insurance and Financial Solutions, we believe that your physical health is your most important health. Yes, your financial health is what we normally focus on, but your physical health impacts every aspect of your life and with a few small changes you can...
Market volatility
We have all been rocked by the recent market volatility. Maybe you have been lucky, and you’re still ahead — or maybe not so lucky, and you’ve had losses, loss of the money you were planning on living on in retirement. You are being forced to reconsider your time horizon, maybe questioning other choices – not buying that second home, having to put off taking your dream trip, maybe even having fewer dinners out? Some of you feel in your gut trouble is coming but aren’t sure what to do – leave your money where it is and hope to make back your losses, put it in a savings account and make next to nothing, stockpile it in a shoebox and hope for better days.?!
Universal Life or Whole Life Insurance – Which is Best for You?
Most of you are aware that I am a huge fan of Whole Life Insurance and the comparison below will explain why. You may own a Universal Life policy that was written in the ’80s and ’90s and aren’t aware your policy is not performing nearly as well as projected. Let me...
Busting Common Mortgage Myths
Let’s explore the common myths of a 15-year mortgage vs. a 30-year mortgage. A mortgage on our home is one of our greatest expenses, so it is important to know the facts and to question some of the “typical” financial advice we have heard from family, friends, and...
7 Strategies for More Income in Retirement
One of the biggest fears people have is running out of money in retirement. And for many Americans, this is a very real risk, not an irrational phobia. If you are a reasonably healthy 65-year-old non-smoker, actuarial tables estimate you’re likely to live to age 86,...
More Trouble Ahead
I recently came across this great article written by Jeffrey Kleintop, a Chief Global Investment Strategist who specializes in analyzing international market trends and their financial implications. He's frequently cited in a range of national media outlets...
Understanding Policy Loans
You are a proud owner of a high cash value whole life policy, you have accumulated significant cash value, and you have decided you would like to use some of that money, how exactly does this work? Did you know, that when a policyholder has cash value in their whole...
The Balanced Prosperity Model
In the last article we shared with you the problems with typical risk reduction models. Today we are going to talk about a better model, a model that achieves greater balance and stability and better results for YOUR money! If your investment model were a chair,...
The Problem with Typical Models of Risk Reduction
Typical asset allocation models try to focus you only on the limited assets that banks or brokerages sell. The pervasive debate about “how much should you have in stocks vs. bonds?” is designed to get you to forget about other alternatives, such as real estate, life...
Are You Truly Diversified?
“Everything in life… has to have balance.” —Donna Karan Asset Allocation Vs. Diversification Asset allocation refers to investing in different asset classes. Typical financial advice tells us that the common asset classes (where you should put your money) are: 1)...