5 Good Options for Whole Life Insurance Cash Value (plus 1 bad option)
In Fee-Only Financial Planning circles, it is a continual struggle to avoid blasting the insurance industry for their elaborate marketing of life insurance as anything other than insurance.
In working with clients in their 20’s all the way into their 90’s, we’ve seen countless examples of permanent life insurance sold to people who didn’t need it. Most of these are Whole Life policies that our clients come to us decades after purchasing, but while they are still paying premiums.
Compounding Explained in a “Not Boring Way”
It sounds like a word they would use on a farm.
As in, “I’ve got some compounding to do down on the back forty so I won’t be able to shuck corn with ya this afternoon”.
In reality, compounding is just one more of those financial terms that many have heard, but few can explain. The first thing you should know about compounding is, obviously, that it is fun to say. The second thing you should know about compounding is that it can be both a force of good and a force of evil in terms of your finances.
June 2022 Investment Market Update
Ben Hockema is joined by Eddie Arraya to discuss several topics, including:
Market performance to date
Patience needed for long-term investing
Yield Curve changes
April 2022 Investment Market Update
Ben is joined by Eddie Arraya to discuss several topics, including:
How did we get to this point in the Market?
What has happened Year-to-Date (through 5/2/2022)?
Looking ahead to the rest of 2022
Changes in the Energy sector, particularly in Uranium
Bonds May Be Riskier than Stocks
One of the staple investment beliefs has historically been that “bonds are for protection and stocks are for growth”. While the evidence has generally backed this up, it is important that we balance what worked before with the current and future investment environment. As every investment compliance attorney has said, “past performance is no guarantee of future results”.
March 2022 Investment Market Update
Ben is joined by partner Gary Bowyer for a look at 2022 so far and looking ahead at the medium and long-term impacts of the Russia invasion of Ukraine for investors.
From Impatient to Patient Investing
On our video last week, Eddie mentioned this quote from Warren Buffett. Although I have heard it before, I think that this is extremely relevant to repeat as we seem to be back to a “normal” market, after the last few years of relative calm.
January 2022 Investment Market Update
Ben Hockema is joined by Eddie Arraya for a quick investment market update, amid the rough 4 weeks to start the year.