Source: the balance BY DANA ANSPACH  Updated November 11, 2018 [Click Here] for more of our videos on YouTube. As you think about retirement and start planning for your income needs, you might hear about some financial rules of thumb that have circulated for years. One of them is the ‘4 percent rule’. While it promises to

Source: U.S. News & World Report Only fiduciary advisors are legally and ethically required to put your best interest before their own. By Coryanne Hicks, Staff WriterMarch 21, 2018, at 9:39 a.m. “A fiduciary duty is the highest standard of care,” according to the Cornell Law Dictionary. (ISTOCKPHOTO) IN APRIL 2016, A NEW word entered many investors’

Source: ThinkAdvisor If a life insurance company can afford such generous caps and floors in their IUL policies, why can’t private investors do the same? By Tom Martin | April 06, 2015 at 10:49 AM | Originally published on Lifehealthpro We are often asked by our clients, “How can the insurance company afford such generous caps and floors in their indexed

Source: ThinkAdvisorBy William R. Buslee, Charles R. McGrew  | May 01, 2017 at 06:50 AM The rules can lead well-meaning clients without good advisors into tax-rule maze. The term modified endowment contract, or MEC, has been around for almost 30 years, yet it continues to confuse and “mystify” policy owners and agents alike. Since qualification as a MEC

Source: the balance BY MIRIAM CALDWELL  Updated June 25, 2019 ! Most people are looking for ways to cut back on their spending. Little savings can add up, especially if you do it consistently over time, and doing several things all at once may mean that you can save significantly each month. Cutting back on your bad financial habits can make a big

Source: The Street By: Fisher Investments Jun 16, 2017 9:04 AM EDT Costly insurance programs dressed up as investment strategies are unlikely to prove beneficial to your financial health. What if we told you there was an investment that… Grows 100% tax deferred Provides 100% tax free income Is NOT reportable to the IRS Pays an average of 5% Allows investors