Blog

Presenting in a Castle

Mar 6, 2018Tomas McFie

Back several years ago, our family travels led us to discover the Vikingsholm Castle at Emerald Bay in South Lake Tahoe.  Built in 1929 with over 200 workers, the Castle was built from materials that were mostly found near and around the Lake Tahoe basin.  Much of the structure was hand hewn and honed and …

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Optimism, Success and the Pursuit of Happiness

Feb 28, 2018Tomas McFie

Those who know anything about our family know how much we admired and respected Zig Ziglar.  His message of hope, inspiration and positive mental attitude changed our lives.  Having first heard Zig’s audio recording entitled “Biscuits, Fleas and Pump Handles” when I was merely 13-years old, my outlook on life was altered. Which, in looking …

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Premium Finance

Feb 21, 2018Tomas McFie

It has become fairly common to hear of some agent or brokerage offering premium financing for prospects and clients to purchase more life insurance.  And although this sounds magical and enticing, there is always a cost to using somebody else’s money.  And it is always in your best interest to know what that cost actually …

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Is Your Money Dead or Alive?

Feb 13, 2018Tomas McFie

As I wrote this blog, the stock market posted its worst loss since 2011. Yet, the money our clients manage for themselves suffered no loss, nor did any of my money which I manage for myself! Axel Merk, chief investment officer at San Francisco base Merk Investments had this to say about the market crash; …

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Are Multiple Life Insurance Policies Better Than One?

Feb 6, 2018Tomas McFie

And Is “Laddering” and “Stacking” Policies Really Cost Effective? There are those who insist that purchasing multiple life insurance policies, even a couple at a time, is better than purchasing or owning just one.  But our research has proven otherwise. Purchasing multiple policies increases the fee(s) you will pay the insurance company annually as there …

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The Boom on Wall Street

Jan 31, 2018Tomas McFie

…And How The Boom On Wall Street Affects Your Whole Life Insurance Dividend The stock market has reached historic heights and the Shiller price-to-earnings for the S & P 500 is “currently 34 times compared to the median level of around 16 times.”[i]  Meanwhile, the “US market cyclically adjusted price-to-earnings ratio is the highest among …

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What is the Best Life Insurance Policy for You?

Jan 23, 2018Tomas McFie

A couple recent articles reveal that, distressingly there are still arrogant, narrow-minded people who pass judgement on others conceiving that they really do know what’s best for others regardless of whether they even know what’s best for themselves. This primes such self-appointed experts to push their ideas, products and services which don’t definitively benefit or …

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How To Maximize Cash Value in Your Whole Life Policy

Jan 17, 2018Tomas McFie

Whole Life Insurance is the original permanent life insurance product that builds cash value.  Before whole life insurance existed, life insurance was something that was leased on a yearly basis and every year the lease payment, or premium, increased because the risk that the insurance company would have to pay out a death benefit became …

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The GOP Tax Bill

Jan 10, 2018Tomas McFie

There is a lot of noise being made surrounding what and what isn’t going to happen to your taxes under the GOP Tax Bill.  But one thing is for sure, taxes won’t be going away, because as Benjamin Franklin noted years ago, death and taxes are two things you can always rely on. But concerning …

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“Whatever”

Jan 3, 2018Tomas McFie

According to the most recent Marist poll,[i] the most annoying phrase for Americans, for the ninth straight year in a row, is “whatever.”  Evidently “Que Sera, Sera, whatever will be, will be,’ is simply annoying to over one-third of the nation.[ii]  Yet, according to the Economic Policy Institute “Nearly half of American families have a …

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