Author: jeff

  • Medicare and Your Financial Advisor

    AEP Merry or Scary It’s spooky how fast the Holiday Season creeps up on us like a Halloween spider. If you don’t have a trusted financial advisor,  this is a scary time of year for folks on Medicare. AEP, the Medicare Annual Enrollment Period begins Oct 15 and ends on Jan 5. Having professional guidance…

  • Happy 4th of July- The Freedom to Invest

    This 4th July is a celebration of independence. The celebration is the US leaving the rule of UK which is the birth of the US. Independence is very important. In the investing world, independence can also be important. We should also celebrate our freedom to have so many investing options, asset classes, risks, and account…

  • Dinosaurs and Pension Runs

    Dinosaurs once roamed earth many years ago. They ruled for a time period then disappeared because of lack of sun, weather, or other unknown reasons. There are different opinions on why the dinosaurs disappeared. Although dinosaurs did rule earth, change happens unexpectedly.  This can be seen with pensions and their risk. Recent bank failures were…

  • How Safe is Your Cash?

    Bank Alternatives for Cash Sometimes cash is like an egg and you just want to sit on it to protect it as a safety net. Save it for a rainy day. But, how safe is it to sit on cash? It’s not like you want to intentionally shatter your precious eggs, right? During times of…

  • 5 Ways Life Insurance Can Help With Living Benefits

    Life insurance policies can also provide living benefits, which allow policyholders to access their death benefit while they are still alive. Here are 5 ways life insurance can help with living benefits: 1.       Covering medical expenses: Life insurance with living benefits can help cover medical expenses, such as those associated with a critical illness, chronic…

  • The New Income Investors

    The gift of income has been years in the making. From a 2% world to “real” yield. The yield race is on. Recently we saw the 6 month US Treasury yield hit 4.99%. We now see the 1 year US Treasury hit 5%. Why is this important? For fixed income investors, this is a godsend.…

  • Crypto Staking Alternative Investing

    Crypto staking is a newer type of investment strategy that started in the crypto mining world of proof of stake (PoS) and proliferated.  It’s pretty simple.  Hold an amount of a PoS crypto asset while validating a block and get rewarded for securing the new block.  This income strategy got popular and eventually made it’s…

  • The Medicare Maze

    Welcome to the world of Medicare. Its an interesting maze. Like a mouse maze, Medicare has different paths. Some dead ends, others successful. Although Medicare is difficult to navigate, there is an ability to plan a successful health care plan at age 65. Life is about planning and goals. This was taught when we were…

  • Best Time to Backdoor a Roth IRA

    Bears are interesting animals. Bears are known to walk slowly but can be ferocious. If you’ve ever seen the power of a bear, you’d know what I mean. A perfect example of the power of a bear is the Hollywood movie scene “The Revenant” with Leonardo DiCaprio1 playing Hugh Glass getting mauled by a bear.…

  • Dragflation

    A combination of a dragging economy and inflation is Dragflation. But there are benefits. Our economy is dragging. With about 40,000 layoffs1 for 2022, the US recession is here.  With these employee layoffs, more companies will announce more automation with robots and artificial intelligence (AI).  We see this currently with Amazon Q2 earnings as they…