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Who Are We? What We Do?
We are a non-profit think-tank and research center that uses our skills and service to better families, churches, ministries and small business the proper protection they need. We have academic researchers who look for the best for our people and we also have people who work at a full-service Brokerage Firm, with licensed agents, CPA’s, Lawyers in all areas of finance, insurance and business...
Financial Planning Seminars
We offer Free Financial Planning Seminars in the Southern California Region. 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 and civic groups... Continue Reading →
The Stewardship of Words
"...not looking to your own interests but each of you to the interests of the others." Philippians 2:4 As a writer, I love words. Their etymology, various definitions, the context and the exaction to form what is to be said. I learned early in life that if these utterances of words are used wrong, they... Continue Reading →
Money is Not Your Enemy
“The plans of the diligent lead to profit as surely as haste leads to poverty.” Proverbs 21:5 Money is not your foe, nor is it meant to be your goal; rather, it is a tool you can use wisely! Yet, most people do not understand how money works, nor do they have a healthy relationship... Continue Reading →
How Much Life Insurance Do You Need?
How much life insurance does a person need? Typically, most people need coverage that will be at least 10-15+ times their annual income. It all depends on one’s financial circumstances, debt load and needs. How do Most Life Insurance companies determine how much you need? They toss a dime, or actually a D.I.M.E. This is a... Continue Reading →
Which is Better an IRA or an Annuity?
First, what is an IRA and an Annuity? An IRA is an Individual Retirement Account which is a basically a tax category. This is usually an account set up at a bank or other financial institution that allows an individual to save for retirement with tax-free growth or on a tax-deferred basis. Where your money... Continue Reading →
CARES Act help for Small Businesses
As of May 20, 2020, there is still funds available. First, go to your business bank and see how they can help you. Update as of April 24, 2020 A new $484 billion coronavirus relief package has been signed on Thursday, April 23, 2020. The new bill contains about $320 billion for the Paycheck Protection... Continue Reading →
What is the Best Type of Insurance to Have?
Here is a cool trick that few people know about life insurance. Index Universal Life is Life Insurance you don't have to die to use! Acts like Whole Life Insurance Has $ Cash Value Account Has $ Disability Income Has $ Tax-Free Retirement Income, for life! Has Tax-Free, Worry-Free Retirement First of all, Life Insurance has changed... Continue Reading →
What are the Different Types of Life Insurance? Part II
The newer Life Insurance products and policies like Universal Life are not about just a death benefit anymore. They can give the benefits of a financial plan for you, your family or business. Here are the Last Two of the Four Main Types of Life Insurance Universal Life Insurance. This type of insurance started in... Continue Reading →
What are the Different Types of Life Insurance? Part I
When most people think of Life Insurance, they think about the traditional Whole Life policies our parents and grandparents had or a Term Policy they have seen on TV. Yet, the industry has drastically changed in the last twenty years with many products are being introduced that are far better. There are even insurance products... Continue Reading →
