Wealth Talks

You will hear all sorts of fluffy marketing terms when it comes to building wealth with life insurance. 🎧 Listen for tips on how to cut through to the real meaning and understand the keys to manage your money wisely. A good litmus test that still holds true = " If it sounds too good to be true, it probably is ."   Of course Truth does provide amazing results, AFTER the foundation has been laid. G...

Are you having to pay more income tax for 2018 than you planned? 🇺🇸 Jack Cohen CPA joins us for a quick interview to share what he's seeing as 2018 returns are processed. You may not be getting as big a tax refund this year because of the way withholding is calculated under the new law...instead, you most likely keep more with every paycheck. The IRS will be releasing a new W-4 form later this yea...

Similar to a 1031 exchange in Real Estate 🏘 , a 1035 exchange lets you avoid tax and transfer your "cost basis" when exchanging life insurance policies.   Do you have a policy that isn't performing the way it ought to be? Is your insurance agent wanting you to exchange into a new life insurance policy? Should you do this?   Here's an overview with Pros and Cons and what you want to know to decide...

🛳 Come experience the Wealth Cruise Oct 19-26th 2019! Launching from Ft. Lauderdale, FL and touching ports in St Thomas, Grand Turk, Half Moon Cay, and San Juan you can expect delightful destinations with beautiful blue waters AND…   You'll get to hear proven practices for wise Money management, strong Family Relationships and good Health from the McFie Family, Krish Dhanam and Dr. John Bergman. T...

Wikipedia reveals 91 different types of insurance 😲 - many of them you will never need. Life Insurance gets high attention on this show with good reason. There is a place for other types of insurance too. Did you know there is insurance that will pay you an income if you become disabled (Disability / Disability Income Insurance)? There's also insurance to help cover expenses for Long-term care su...

What's the difference between direct and and non-direct recognition? Does it matter? 🤷‍♀️ How does Re-insurance protect policy owners and beneficiaries? An inside perspective on Artificial Intelligence (AI) coming into underwriting processes. Official Ratings versus strong financials and Capital Surplus. Special Interview with 2 Vice Presidents of Ameritas Life Insurance Company: Rob Sharp and Ke...

Come behind scenes and hear the reasoning around insurance company ratings, portfolio management, dividends and what it all really means for you in this special interview with Karl Kreunan - Vice President of Ohio National Financial Services. Karl makes detailed life insurance topics easy. "Life insurance is a significantly underutilized financial asset" - use it in your life and enjoy the financi...

You will love this entertaining and useful example of a 5% average rate of return! 😯 And you'll never think the same way about AVERAGE returns again. Explore how returns work in life insurance and what type of life insurance works best as a guaranteed foundation of protection and savings for your family. Information is everywhere today, but real Knowledge and Understanding are the keys 🔑 you'll...

When first hearing about The Perpetual Wealth Code™ you might wonder if you need to do something else first. Do you need to SAVE first? Or PAY OFF DEBT first? Or should you INVEST first so you have more money to do the Perpetual Wealth Code™? Discover what you should do first and what comes next on the best road to financial freedom. It all makes sense when you get the full perspective. Call us fo...

Recent questions reveal a natural perspective around using participating whole life insurance to build your wealth. Discover how policy loan interest works, what "backdating" means and what the "break-even" point means for you and your wallet. In the second half of the show, you'll learn the power of the Perpetual Wealth Code™ and tips for managing money in your financial toolbox. Resources: Defin...

Everyone knows life insurance companies make good money, and they don't share profits with all policy owners. Neither do all policy owners get equal benefits from guarantees provided by life insurance companies. Discover what's going on behind the scenes with company structure, and policy design. Armed with this knowledge you can maximize your guarantees from certain life insurance companies and s...

Did you know there have been 29 market corrections of 10% or more over the last 50 years? That averages out to more than one every 2 years and this volatility can play havoc with your financial security UNLESS you build a strong foundation of GUARANTEES first. Investment opportunities are nice, but don't let them lure you away from building your all-important foundation. Build your foundation firs...

Filmed on location in India 🇮🇳 , with a top-quality production spanning 5 continents - The Least of These (movie) 🎬 was released in US theaters February 1st 2019. It is a story of compassion, desperation, truth, deception and forgiveness. Hear first hand from Krish Dhanam as he takes you behind the scenes and reveals the journey of this amazing project and what the message means for you. You see,...

There's a big difference between quality motivation and high-pressure sales tactics often used by insurance salespeople. Here's what you need to know to discern the real deadlines so you can be comfortable with this important purchase. There's no excuse for hhigh-pressuresales tactics, but neither is there any excuse for procrastination. Call our office for a no-pressure life insurance experience,...

Financial entertainers 🤑 will tell you that you need to "cut out your coffee" ☕️ to get out of debt, save for your future and become a millionaire! Maybe that's true for them, but is it true for you? BALANCE is key. Discover how to balance your financial life so you can save with sustainable guarantees, get out of debt and achieve your dreams without sacrificing your quality of life. The basic r...

There's a lot of "alphabet soup" 👀 surrounding HRAs (Health Reimbursement Arrangements), HSAs (Health Savings Accounts) and FSAs (Flexible Spending Accounts)…even people who are really smart managing money don't always realize the potential of using these tools to save money. When it comes to HRAs there's a traditional 105 HRA and also the QSEHRA which provides great options for small business em...

You may remember the iconic character, Mr. Toad the motorcar fanatic 🚘, from Kenneth Grahame's classic Wind in the Willows. What you may not know is how to recognize wild Mr. Toad rides in the financial world. 2 new Debt Bubbles have been growing since the subprime lending crisis around 2008. Combined there are over 10 trillion dollars and many Americans directly exposed. Now the Federal Reserve...

Did you know Southwest Airlines made a profit every year while other airlines were struggling in a post 9/11 world? ✈️ Could war strategy books help you become a better money manager? ♖   Practical people know that truth in one area of life can often be reapplied to other areas of life with the same success. So can lessons from failure. When it comes to failure, it's always better to learn from ot...

Did you know that 2018 was the worst year in the US stock market since 2008?   Learn from 2018 and build a resilient toughness 💪 into your financial future for 2019 and beyond. Happy New Year!   Read more about the value of a Volatility Buffer in retirement here   Call 702-660-7000 for your personal strategy session.

Did you know that Warren Buffett's first business venture started at age 6? And at age 11 he was working in his father's brokerage firm. Listen for the story and why it's so valuable for children to learn wise money management values as soon as possible. Get the 2 children's books by Gracine and Anna McFie here on the Life Benefits store.  https://www.life-benefits.com/store/ Also on this show - a...

But IUL is no way to get great guarantees on your money.   If you want to help your friend, you might even be able to pay them the commission they would have earned if you bought the policy from them, and still come out ahead! 😳 IUL is a hybrid insurance product based on term insurance where the cost of insurance is increasing every year. Discover why guarantees from Whole Life insurance are bett...

Shopping for Christmas, Birthdays and other celebrations can be fun, and sometimes tough too. Some people go into debt this time of year. 😟 And maybe you can't find a gift that really expresses the love you feel for someone. Here are some tips to keep your shopping fun, enjoyable and fulfilling for true wealth in all aspects of your life. Remember that the most important things in life aren't thi...

13 years ago we came home to Robbers in our House. What we learned, would change our Life and Financial Thinking forever It was a dark, drizzling dreary November evening 13 years ago, when we came home to Robbers in our house! 👺   They got away with many things…some which you can never replace. The cleanup process was emotional, but also helped change our thinking. For example: If the thief didn'...

Premium Financing promotions seem to be all over the place today! But with so many moving pieces 🎲 are they really the best idea for you and your family??    Here's what you need to know to secure a golden financial future 🔑 - from simple budgeting for extra expenses (like a new transmission) - to the best way to plan for life insurance premiums. You are listening to Wealth Talks 🎧   More info...