The Coming 401k Bond Blood Bath

The Coming 401k Bond Blood Bath

For a while, Brandon and I have been discussing the coming 401k bond blood bath for people who are retiring and have been planning for years to shift their asset allocation to a much more conservative posture. Remember when the conventional wisdom was that during your retirement years you would shift the weighting of your …

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2013, The Estate Tax, and You

2013, The Estate Tax, and You

The Estate Tax is set for a nasty reset come the end of this year if Congress does not act to extend current legislation, or create new. We’ve steered clear of political discussions on the Insurance Pro Blog, and we still intend to do that. Today’s discussion will attempt to be as objective on the …

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Modern Portfolio Theory turned upside down

Modern Portfolio Theory turned upside down

Let’s start with a brief discussion of modern portfolio theory (MPT)  just to make sure we’re all on the same page.   To avoid a less than exciting academic foray into MPT, I’ll provide a basic definition. Basically, the theory is that individual investment (a particular asset i.e. stock or bond) selection should not be …

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What’s The Problem With My Pension?

What’s The Problem With My Pension

For the past few decades, a big part of the American Dream was to go to college, get a great job with a big company, work there for forty years and then spend your days cruising around in your golf cart in some place like Boca Raton, Scottsdale or Palm Desert. Of course this whole …

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Who We Are

Brandon T. Roberts, Founder: The Insurance Pro Blog Brandon launched the Insurance Pro Blog in 2011 as a project to de-mystify the life insurance industry.  Drawing on his experience as a licensed insurance agent, Brandon sought to use The Insurance Pro Blog as a resource to discuss the many applications of life insurance beyond just …

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