Blog

Rich or Rich and Famous?

Apr 4, 2018Tomas McFie

In a recent public opinion poll, people we’re asked, which they would prefer; Have $10 million dollars in the bank along with fame, or Have $50 million dollars in the bank and retain their anonymity?[i] Unexpectedly, for the author of this study, 97% of those who participated in the survey picked being rich and remaining …

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Face Value

Mar 28, 2018Tomas McFie

In a participating whole life insurance policy, the “Face Value” of the policy is the dollar value of the benefit that will be paid should the insured die while the policy is still in force. Part of the face value consists of paid-up insurance, which is insurance that is actually owned by the policyholder. The …

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Wealth, Money and Minimalism

Mar 20, 2018Tomas McFie

Minimalism is a trend that seems to be gaining steam in our society.  Phrases such as “getting off the grid,” or “less is always more”,” are counter-culture attempts to eliminate the Materialism that dominates our culture. Minimalism has become quite attractive to those who believe that capitalism is the “great evil” that has corrupted the …

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Getting the Most for Your Money

Mar 14, 2018Tomas McFie

Dr. Seuss’ book, “The Sneetches,” which is also now a YouTube, is about two different kinds of creatures.  One type has stars on their belly, the other kind have no stars.  Of course, those who have the stars make those who don’t have stars feel inferior and less of a Sneetch than those who do.  …

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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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