by Tom Neeser | Feb 5, 2019 | financial planning, Investing, Life Insurance, Whole Life Insurance
Warning! What I am going to say goes against conventional wisdom espoused by pop culture financial gurus. Before I get into the details – I want you to actively participate in an exercise. I want you to think about if you could invent, from scratch, the perfect...
by Tom Neeser | Nov 20, 2018 | financial planning, Investing, Life Insurance, Retirement Alternatives, Whole Life Insurance
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,...
by Tom Neeser | Oct 23, 2018 | financial planning, Life Insurance, Personal Finance
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...
by Tom Neeser | Sep 25, 2018 | financial planning, Prosperity Economics
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,...
by Tom Neeser | Sep 11, 2018 | financial planning, Investing, Prosperity Economics
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...
by Tom Neeser | May 10, 2018 | financial planning, Prosperity Economics
There seems to be no shortage of financial advice, but that has not led to economic success for most. Too many Americans are having trouble saving for their own needs and wants while struggling to pay down debt and keep up with the rising costs of healthcare and...
