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There seems to be an eternal debate that persists regarding whole life insurance and universal life insurance. Agents, insurance companies and some consumers that sit on either site of the argument will swear that one is definitely better than the other. In our experience, most whole life insurance hacks will point at poorly designed universal […]

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I’m sure that the title of today’s financial procast will cause some of you to wonder if we’ve just completely lost it. Well, there’s certainly an argument for that, however, we just figured that we would agree with all the people out there that actually believe that statement. It’s true…fees are better than commissions. At […]

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Retirement income planning is indeed one of those topics that we’ve discussed on a few different occasions or probably more than just a few actually. But it’s one of those topics that has a great deal of nuance. There are really two main schools of thought when it comes to retirement income planning. One has […]

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Today we are talking about a very important aspect of insurance underwriting. So as everyone quits listening at that point…no seriously hang in there to the very end and we’ll reveal something super secret! No really, there’s no big secret but we promise to make this an interesting episode. This is one of those topics […]

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Didn’t we just talk about the Dow broke 17,000 for the first time? Yes we did. Since then the average has fallen and come back just a bit. As of this very moment, its sitting at 16,651. But honestly do we think the market is headed back up and will keep moving up? Or will […]

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The CFP board is struggling with how it wants to define “Fee Only” financial planning. It’s a bit of a quandary–and that is how do we define this term? What is fee only? Who has the right to use that label to describe themselves? Over the last couple of years this debate has been heating […]

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There is a worrying trend that we are seeing in the financial services industry recently. That trend involves selling indexed universal life insurance to people that have previously purchased fixed indexed annuities with some sort of guaranteed minimum withdrawal benefit (GMWB) or lifetime income rider. Now that isn’t necessarily a problem as one could certainly […]

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Are millennials making a big mistake by not investing enough of their retirement funds in stocks? Well, someone over at the Motley Fool seems to think so and today we’re going to tell you what we think about their (the Motley Fool) opinion.