Author: LifeGuy

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[…]