32 posts

I just had a really fun and great interview as a guest for Jim Froehlich on his Podcast for Patriots show. The link to the podcast is below. Here’s what you’ll learn… We had a fun conversation about my background and military experience prior to college and career. Lots of talk about risk in real […]

Whole Life vs Indexed Universal Life: Life Insurance 101

There is a lot of fear-mongering about life insurance on social media. The Whole Life guys are bashing IUL. The IUL guys are bashing Whole Life. Securities guys are bashing life insurance. I don’t know what your motive is in making such a blunt statement without providing any facts to […]

8 Reasons Why You Should Form a Captive

Many business owners have formed a captive insurance company and realized significant benefits.  However, the decision whether to form a captive is often clouded by misconceptions and a failure to recognize the advantages of owning your own insurance company. A captive insurance company is an excellent risk management tool.  In […]

[Premium Content] Tax-advantaged Real Estate Investing – Video Course

You’ve read the summary here on the website. Ready to learn more but not ready to speak to an agent yet? Spend 45-minutes online with Tom Rutkowski in this video tutorial on the basics of leveraging high cash value life insurance. This video course will cover the basics of life […]

$1 Million just doesn’t go as far as it used to!

I just saw this article from Bloomberg today… It doesn’t have to be that way. The common “Rule of Thumb” used to be the “4%-Rule”. You can take out about 4% of your savings each year and expect your savings to keep up with inflation and ride the ups […]

Way too good to be true!

My favorite tool for retirement planning is permanent life insurance. Many people view life insurance simply as “insurance”. That you are paying for something that will benefit the next generation. They think of the premiums as an expense. Most people don’t realize how powerful life insurance is for creating tax-free […]

Are you killing it this year?

Then you should probably talk to a financial professional very soon so that you don’t get killed by taxes. If you move quickly, there are still some strategic steps you can take to create tax deductions and increase your after-tax income this year. Don’t let the IRS enjoy the fruits […]

Regardless of all the political rhetoric, BS, media bias, and name calling, the key issue in the upcoming election is not about fitness to serve or the mean things they may have said, these are all just distractions created by the media and each campaign to get you to focus […]

How To Make Your Business More Efficient By Cutting Your Taxes

All of the successful real estate investors and business owners I talk with focus on maximizing their profitability. Profitability results from increasing revenues and keeping expenses to a minimum. The latter may offer more opportunity to improve profitability than you think. When you run a business, there are lot of expenses […]

How to Properly Calculate an Annualized Return

The S&P 500 index has increased from 1,549.38 at the height of the market in October, 2007 to 2,091.48 at the present. What is the annualized rate of return since then? Its been over eight years, that’s long enough that we should earn around what Wall Street considers the “average” […]