Author: LifeGuy

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.[…]