Author: LifeGuy

Some financial instruments successfully used by generations have protected families against risk of market fluctuations, high taxation and litigation. Now, Millennials are learning about cash-value and the power of compound interest, add-on riders to help them increase retirement savings, protect from increased taxes, economy volatility, get rid of debt and eliminate financial risk even if they lose their income due[…]

Ups and downs in the economic cycles normally affect most people’s finances to the point where retirement funds get diminished, home values balloon and drop, assets lose value over time, inflation does a number on buying power. One safe haven asset can protect your money from market downturns

It’s that time when we’re counting our proverbial annual chickens. How do we make next year better and closer to our goals? We’ll, take a piece of paper. I mean it, go get it, or pull up your favorite note app. Write this down: “Hopes for next year: – same – worse – better.”   How are you gonna make[…]

    Happy Thanksgiving! While you count your blessings don’t forget the star of the show – you! Your hard work and determination throughout the year are truly worth celebrating. Congratulate your past self for making it here, today. And to make it easy to thank yourself again tomorrow, do yourself a favor: talk to LifeGuy about your plans for[…]

First, let me show you how – theoretically – one can retire a Millionaire on a $50,000 income. Then, we’ll see how one can become a millionaire by retirement age with just the cost of a coffee a day, or $5/day contribution (if starting early enough). For this, I like to use an official compound interest calculator from INVESTOR.GOV –[…]

One of the most asked question I get: “What does it take to get to a million dollars in retirement?” The answer is simple: discipline, time and of course, money. In my “Milion Dolar Retirement” Blueprint I’ll show you how you can still reach $1,000,000 in retirement savings even if you missed the boat on saving when you were younger.[…]

I help people get $1,000,000 extra in their retirement. I used to say that I help people protect themselves and their families from risks while building wealth safely and increasing their retirement funds, but that doesn’t have the same ring to it. So I rounded it up in one simple goal. Could you use an extra $1,000,000 in your retirement?[…]

There’s an exclusive group of the top 10% earners in this world, and that’s the Million Dollar Retirement Club. That’s right, only one in ten Americans get to enjoy a retirement backed by $1,000,000 or more in savings and assets. Furthermore, if you have over $2,000,000 in assets in retirement, you’re in the 2% baby! I know you have dreams[…]

Did you know that only 10% of people reach over $1,000,000 in retirement savings? I can hear your brain wheels spinning: “That can’t be true, I gotta fact check this”. We’ll, go ahead. I’ll wait… That million dollar seemed a lot easier to reach, in your mind, didn’t it? Well, reality is in the statistics. But you can make yourself[…]

Ohhh boy, we’re gonna have fun! And to make sure we’ll be able to pay for all that retirement fun, we better prepare now. Look, the math is simple: your retirement plan could use another million dollars. Let’s be honest, if you knew of another way to add a million to your retirement cushion, you would have done it. I’m[…]

Save. Diversify. Guarantee! We’ve all received the advice to “save for rainy days” and “don’t put all of your eggs in one basket”. Today, more millennials are discovering how to add a layer of security to their saving for retirement strategy, by utilizing financial tools that will guarantee a better, more secure retirement. For decades, these tools have been successfully[…]

Did you know that you can get easy loans only backed by your life insurance as collateral? No credit check needed. No co-signers. Pay back at your own pace. You can use the funds for anything you want or need, like start a business, use as an emergency fund, even  withdraw money to supplement your retirement. All this can be[…]

What is “Cash Value Life” strategy? For hundreds of years, many savvy financially educated individuals and companies have taken advantage of a little-known side-effect of life insurance: “cash value” or equity life insurance policies, which pay the policy owner portions of profits, or an interest on money paid into a life insurance policy. To be able to pay benefits, insurance[…]

Need life insurance coverage? Not sure how much that’ll cost you? No problem – compare premiums here: we compare all the major insurance companies in the US to bring you the lowest rates. TERM life insurance rates: https://lifeguy.com/quoter-files/quoteterm.html     1-877-LIFE GUY  info@LifeGuy.com       

Shep, Shappy, Sheppar and Shephari lived on a hill by the river, with their respective families and their herds of animals. On a good day, their farm would produce just enough to provide for themselves and their families. One day, Shep fell ill. He got so weak, that he couldn’t tend to his farm duties. His family knew very little[…]

The genie granted your wish: you’ll live longer! Did your retirement savings strategy adjust accordingly, to make sure you don’t deplete your funds too soon? One of the indirect effects of longer expected life span, the life insurance companies pay death benefits later than predicted, turning a higher than expected profit. In return, some of this profit goes back to[…]

Wherever you are in your retirement planning journey, you ought to know these new rules affecting your retirement planning. The SECURE Act 2.0 of 2022 has brought some changes, plus you can now take advantage of new tools to grow and secure your retirement. Your hard earned income provides for your current needs and future dreams. Are you confident that[…]

The rat race we got ourselves in needs us to keep spinning the wheel. If you’re honest with yourself, you may realize you’d have to keep working past normal retirement age, to make ends meet. How did we get here, and is there a way out? Sign up for a free 15-minute financial path assessment with me or one of[…]

A favorite memory of mine is night fishing in the bays by Gulf of Mexico, with a good friend and a cold drink nearby. Wait for it, the connection to today’s subject is coming, I promise!   While fishing itself is not my forte, I always enjoyed the time in nature with my friend. Since I wasn’t great at catching fish,[…]

I was asked to define my financial advice strategy in one sentence. At first, it felt like a hard task trying to compress over two decades of experience in this industry into one single sentence. Then, I realized that all my strategy always focused on a few converging paths: saving my clients money, protecting their money, help them grow their[…]

The first lesson I got in saving for retirement talked about baskets and eggs. The long-standing idea is to spread your risk over various tax-advantaged vehicles (“Don’t put all your eggs in a single basket”). The way our assets are taxed, groups them in three possible categories: taxable, tax deferred, and tax-free. When we split risk, we want to also[…]

My new Life Insurance 101 series is designed to demystify life insurance. My goal is to break down what can be difficult to understand concepts and clear up common misconceptions. Today I’m going to talk about how much life insurance coverage you need. Funeral Expenses At a minimum, I recommend that everyone have enough coverage to pay for their funeral.[…]

#RealLifeguyCases The “Real LifeGuy Cases”  give a glimpse into real-life situations where families and individuals benefited from our financial expertise. Personal stories can paint a better picture of the needs covered, showing relatable circumstances to what you may be experiencing. If you find yourself in a similar situation, keep reading to see how I solved some of my clients’ concerns.[…]

If your family protection plan is just crossing your fingers 🤞 then I hold my fingers crossed for your family’s future. Get a FREE WILL and low-cost life insurance I’ve been working hard lately to be able to introduce this free benefit for our life insurance customers: FREE WILLS with the purchase of any life insurance plan! Insurance plans start[…]

Mortgage Payment Plans MortgagePayPlan.com redirects here. “LifeGuy” brand owned and operated by fiduciary independent licensed brokers who can compare and find the lowest rates from all US insurance companies.   What is a MORTGAGE PAY PLAN? It’s LIFE INSURANCE guaranteed to pay off your mortgage in case of premature death – and sometimes able to help payments during your lifetime[…]

Imagine there was a plan to pay back your lost paycheck due to COVID-19 or other illnesses and accidents. Imagine your bills being covered if you can’t work due to ANY medical reason. Imagine a check coming in every month if you lost your revenue (even partial income loss) due to any health issues. You don’t have to only imagine[…]