Blog

What’s on our mind? You can read about it in our blog. Whether it’s ideas from the industry or emerging trends, you can read about it here. And once in a while, we may throw in a movie review or some other surprise. So keep checking in. We’re glad to have you reading along.

How Life Insurance Can Make Your Retirement Tax Free

John Clark, CLTC, CMIP | Monday, July 10, 2023

Many people don’t know that a whole life insurance policy can be a source of income for retirement. With a whole life policy, your premiums don’t change, and coverage lasts for the rest of your life. Whole life policies...

John Clark, CLTC, CMIP | Wednesday, June 14, 2023

There’s a lot of misinformation out there about Social Security. People receive information from a variety of different sources and often don’t know which information applies to their specific scenario. That’s why...

John Clark, CLTC, CMIP | Wednesday, May 31, 2023

Many people overlook the importance of benefits for the surviving spouse when they initially file for Social Security. Postponing collection of benefits can earn workers 8% in delayed retirement credits every year from full retirement...

John Clark, CLTC, CMIP | Wednesday, May 17, 2023

You’ve been saving for your retirement for decades. Don’t undermine your own plans by making these 5 common mistakes when you retire.First, don’t retire too soon. Lifespans are increasing and many retirees...

John Clark, CLTC, CMIP | Wednesday, May 3, 2023

If you’re changing jobs or retiring, it’s important to know the rules regarding moving funds from your employer sponsored retirement plan. The wrong move could cost you in income taxes and early withdrawal penalties. You...

Should I Invest in an IRA or 401(k)?

John Clark, CLTC, CMIP | Wednesday, April 19, 2023

Many people are unsure about the differences between a traditional IRA and a 401(k). Both have accounts that provide tax-deferred growth on the money in the account. Withdrawals from the accounts are taxed at ordinary income tax rates...

John Clark, CLTC, CMIP | Wednesday, March 22, 2023

Did you know that one of the greatest risks to your retirement portfolio can happen in the first years you retire? The timing of when you begin withdrawing money from your investments can dramatically impact your long-term wealth....

John Clark, CLTC, CMIP | Wednesday, March 8, 2023

A question we're commonly asked is, "Is it possible to drastically reduce taxes in retirement, or even eliminate them? It’s possible, but you must start planning before you retire.Many people don’t realize that Traditional...

John Clark, CLTC, CMIP | Wednesday, February 22, 2023

A retirement income plan is needed because life changes in retirement. Your retirement plan should account for every year in retirement, even past your life expectancy.For each year, make a list for you and your spouse that include...

John Clark, CLTC, CMIP | Wednesday, February 8, 2023

Risk tolerance is the level of risk, or market ups and downs, an investor is willing and able to tolerate. An aggressive investor, one with a high-risk tolerance, is willing to risk greater loss to potentially maximize returns, while...

John Clark, CLTC, CMIP | Monday, February 6, 2023

A life insurance policy protects your loved ones against the loss of your income after your death and helps to preserve their standard of living. You’ll name a beneficiary to receive the proceeds, and in exchange, you’ll...