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Insure what you love and need! We can help you with life insurance services, annuities, retirement plans, as well as business insurance and so much more. We are fully licensed to help you with financial advising about how to pay off debt, prepare for retirement, making a family budget, cash flow, financial planning, building wealth,... Continue Reading →
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Financial Planning Seminars
We offer Free Financial Planning Seminars in the Southern California Region and Online Webinars. Our lead speaker used to be a Financial Planner and trainer at a major bank, and currently works in the insurance industry as a Financial Trainer with a Ph.D. in stewardship and is licensed. These seminars are done at churches, community... Continue Reading →
Understanding Index Funds
The question is, what have been some of the best-performing investments over the last seventy-plus years? What have been the safest ways to invest in that same period, if structured properly, even in market chaos? Where do the top 1% of income earners place their significant portfolio in? The answer, as the top financial analysts... Continue Reading →
Why Do Banks Fail?
What happened with the two recent bank failures in Silicon Valley? Silicon Valley Bank and New York-based Signature Bank and looks like two others are having a “bank run.” A run on a bank happens when a sizable number of depositors withdraw their money from a bank(s) at the same time that is greater than... Continue Reading →
Developing a Financial Strategy Part 2
When you walk into a bank, it is divided into two sections. Most people, that is what the bankers see as the "common folks," go into the line and wait for a teller. However, the people with money go to the other side and sit down with a financial strategist or money manager who personally... Continue Reading →
Developing a Financial Strategy Part 1
Here is a key thought to consider about financial planning. Wealthy people tend to make fast decisions and are also slow to change. That is if it is a good plan, better than they have, they change. If it is working and there is nothing better, they stay the course. In contrast, people who have... Continue Reading →
The Essentials You Need to Know to Reach Your Retirement Goals
How far away is your retirement? What have you done to make sure you have the funds to make it happen? If you do not have a plan or at least know what to do, you will find yourself in trouble as many do. So, first off, it is always best to start as early... Continue Reading →
How Different American Generations Spend Money
Using data from the Bureau of Labor Statistics, Preethi Lodha mapped out how each generation of Americans spend their money, on average. Via Visual Capitalist.
Timeshare Wows!
Should I get a timeshare? The answer is an emphatic no; unless, you like wasting a lot of money, not being able to use them, and hardball collection tactics. I have been suckered into those, to listen to intense sale tactics of a four-hour presentation just to get a free gift. For my wife and... Continue Reading →
Mortgage Protection Insurance
What is Mortgage protection? It is a type of insurance that covers your mortgage for you or your lender in case of death and or disability. With the right company, this protects not only your mortgage, but also your health, and even acts like life insurance too. And of course, we can modify it to... Continue Reading →
How much money did you lose in your 401k or another retirement account?
Did you know that when the market goes down, and then it goes back up, you DO NOT get your money back? Rather, what actually happens is that you grow from the point of your loss. That is just math! Wall Street lies by saying “no worries” you get your money back! Well, you do not, it is gone! So, what do you think will work better for your retirement, guarantees with no losses and low to no fees, or just losses and high fees? There are better 401k and other IRA, Individualized retirement accounts out there! How much money did you lose in your 401k or another retirement account?... Continue Reading →
FINANCIAL PLANNING and STEWARDSHIP 