Insuring your retirement

Helping high-income households insure retirement. We breakdown complicated ideas into useful information ad actionable plans.

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4 min read

Stock-Based Compensation and an Attractive Alternative

There have not been any meaningful new developments in executive compensation since the 1970s, and current plans only attribute to minor single-digit improvements for both the business and the executive. Compensating management with equity is to...

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4 min read

The National Debt, Future Tax Rates, and Capital Allocation

What is a sovereign debt crisis?

A sovereign debt crisis occurs when a country is unable to pay its bills. But this doesn't happen overnight—there are plenty of warning signs, and it usually becomes a crisis when the country's leaders ignore these...

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4 min read

What Is Focused Investing?

There was a time when many investors stopped paying attention to the market, choosing to ignore everything. This period was from 1966 to 1982, when the market's return was zero (not including dividends). By the mid-70s, less than 50% of Americans thought...

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What is indexed universal life?

6 min read

What Is Indexed Universal Life?

Over the last several years, sales have dramatically increased for indexed universal life (IUL); this is both good and bad.

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New Home Sales Rolling Over

2 min read

New Home Sales Rolling Over

On Tuesday of this week, the National Association of Home Builders reported April 2022 new home sales were down for a fourth straight month, falling 16.6% to 591K. This is the lowest level of new home sales since April 2020 and a 159K miss from the April...

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April's Showers & Disappointments

16 min read

April's Showers & Disappointments

Market performance at the end of April did not produce the bounty of flowers expected by the popular refrain; rather, April’s showers continued to rain disappointment on investors as major domestic equity markets dipped to year-to-date lows, along with...

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17 min read

Signal vs. Noise

The major domestic market indices all finished March on the upside but are showing YTD losses as they have not yet regained lost ground since December 31, 2021. 10-year Treasury bonds, Comex gold, crude oil, and gasoline are all in the Winner’s Circle...

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20 min read

Markets, Russia & Ukraine

As February ends and March begins, the world's attention is consumed by the Kremlin's aggression against the people of Ukraine.

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3 min read

Stagflation, Job Market Optimism & Credit Realities

Job market optimism collides with credit market realities.

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2 min read

The Fed's Favorite Inflation Gauge

The Fed’s favorite inflation gauge notches a 4-decade high as core personal consumption expenditures (PCE) hit 5.21% in January 2022.

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