By Joseph Gutierrez Ten thousand Americans turn 65 every day and stare in the face of retirement and wonder how they are going to get through it. What we have found is that incoming and current retirees are looking for guarantees and safeguards for their retirement income, in ways that
By Joseph Gutierrez When studying financial product and strategies, the inquisitive entrepreneur / investor may look at many different paths, different wealth generation vehicles. Stocks, bonds, real estate, farm land, starting/buying small business are all common vehicles and assets to build personal wealth. That said, the savvy investor usually wants
Hey guys and gals, Here is a copy of our internal real estate deal analysis tool. Its free to use. Please watch our youtube for quick run through of the tool and its use. This tool should used as preliminary estimates on the profitability or non-profitability of any particular
By Joseph Gutierrez One of the great things about Indexed Universal Life (IUL) is its overall transparency, especially with its expense ledger. Unlike Whole Life, we are able to see a break down of our policy’s expenses and how it affects our policies growth. A simplistic way to view Indexed
By Joseph Gutierrez Let’s take a quick look at whole life declared dividend rates in 2026. Remember, with whole life insurance, our Declared Dividend Rate is a calculated gross yield that is awarded to policyholders. Much like a dividend yielding stock like Proctor and Gamble, who will declare a dividend
