Understanding Estate Planning

Introduction The old adage, there are only two things that are certain in life, death and taxes. Perhaps so, but we can manage both of these with a good plan and then you can be at peace with your estate. Estate planning is the process of anticipating and arranging a family estate, or a person’s... Continue Reading →

What is the Difference Between a Financial Professional and a Financial Advisor?

In my career, I have been licensed and employed at both, and there are many similarities. Such as helping people with their retirement, investing, financial planning, money management and so forth. However, there is a key difference in what is called “captivity,” as well as how we engage a client and how we make our... Continue Reading →

What Are The Financial Risks to Avoid

“The rich rules over the poor, and the borrower is the slave of the lender.” Proverbs 22:7 We need to know that our money is always at risk when we place it in the market and other investment means where there is the potential and even certainty of loss. What is financial risk? It usually means... Continue Reading →

How to Manage Your Finances During a Crisis

  With most of American business shut down and millions of people out of work, while small business owners are suffering, we need a new plan. First of all, remember good stewardship and budgeting. Think and plan for what you need, not what you want. Now, you may need to get stricter with where your... Continue Reading →

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...

Is a 401(k), ROTH IRA or is there Something Better?

  Did you know that an ‘IUL’ the Best Way to Plan for Retirement?  We have spent the last few years, since 2008, researching the various IRA options and looking for the best possible solutions for our family, friends, and clients. First, we need to know how money works in IRA accounts. Money grows in... Continue Reading →

How to Find Out How Your 401(k) is Performing

How to Find Out How Your 401(k) is Performing   How is your IRA doing? What about the old ones from previous employers? Did you lose your job? Do you have an IRA from a previous employer? If so, do not lose Your Money! If you lost your job or you are on furlough, I... Continue Reading →

Money Grows in Three Main Ways

Here is How You Money Can Grow  The two ways that affect your money the most is the way it grows and the way it is taxed! Money Grows in Three Main Ways Most financial advisors state that money grows in two ways, variable and fixed. However, there is a third way, called an Index... Continue Reading →

How Does the Housing Market Prices and Mortgages all Work?

This week, the Federal Reserve (Fed) cut the federal funds rate and the prime rate. How will this affect the mortgage rate and housing prices? How much influence does the Fed have? A lot, but that is not the whole story. There are many other facts that chime in for mortgages and housing prices. The... Continue Reading →

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