by Laurel | Jun 30, 2020 | Annuities, Income Rider, Indexed Annuity
Why do you have to lose? You don’t! Do you ever wish you could only reap when the market makes money, without having to participate in down risk? Index Annuities allow you to achieve such strategy! First and Foremost, Equity-Indexed Annuities are not to compete...
by Laurel | May 13, 2020 | Life Insurance
NEVER THOUGHT I’D SAY IT! Life Insurance Companies are beginning to turn business away. COVID-19 and the resulting crash in interest rate are causing Life Insurers to rethink their projections. Life Insurers pool premiums which increases capital reserves and...
by Laurel | Mar 6, 2020 | Income during retirement, Insurance and Retirement Planning, Retirement, Retirement Planning
I hear a lot of clients talk about how well the stock market has been doing since the crash of 2008. “Oh, yeah! Ive made all the money back and then some!”… the same ole story. But let me ask you this: What if you were having to take income during...
by Laurel | Feb 24, 2020 | Health and Welness
According to a growing body of research, the answer to this question is “yes”! Optimism has now been linked with a variety of health benefits, including a lower risk of cardiovascular disease (the number one killer in the industrialized world) and other chronic...
by Laurel | Feb 10, 2020 | Asset Based Long Term Care, Long Term Care insurance, Medicaid, Traditional Long Term Care
When it comes to long-term care, two facts stand out. First, an estimated 70% of people will need such care, which will be costly. And second, most of them refuse to buy insurance to cover it. The question is, why? Part of the explanation, no doubt, is that...
by Laurel | Feb 10, 2020 | Client Spot Lights
Dave and Carolyn Jones Here is another prototypical couple right here in Asheville. Dave is a semi-retired pharmacist, who also is a very talented carpenter. While Carolyn is a magnificent and extraordinary talented artist. She has also offered to beat me in...
by Laurel | Jan 2, 2020 | Annuities, CD alternative, Insurance and Retirement Planning
Hot New Multi-Year Guarantee Annuities are a great CD alternative with a guaranteed interest rate of 2.9% for 2 years, or 3.85% for 5 years. I would like to point out that a 1-year CD is paying a mere 2.00% and a 3-year CD is paying is paying 2.55% (Source:...
by Laurel | Dec 17, 2019 | Health and Welness
Eat Hot Peppers… The Hotter, The Better!! The documented health benefits from hot peppers continues to grow at a break-neck speed, similar to the increasing popularity of consuming hot foods in various forms. The heat and health benefits comes from a chemical...
by Laurel | Dec 16, 2019 | Client Spot Lights
“We have never met anyone quite like Beau. He is the most empathetic and caring advisor we have ever worked with. He has become very near and dear to our hearts.”- Frankie Fralick I have worked with Frankie Fralick and John “Arthur” Nettles...
