Fixed Annuity – Definition, Rates, Pros & Cons

Annuities offer a tax-deferred retirement income stream for life. This strategy has several sub-types with their respective pros and cons that vary based on your retirement plans.  This guide covers the sub-types of fixed annuities, rates, pros and cons, and comparisons versus the other types of annuities.  What is a Fixed Annuity? An annuity creates…
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FEGLI Life Insurance and FERS Survivor Benefits [There’s a Better Way]

If you are a federal employee and/or in the Federal Employees Retirement System, you are likely dependent on FEGLI Life Insurance and FERS Survivor Benefits for making certain your spouse or partner receives a sufficient financial benefit in the event of your death. Many federal employees who are enrolled in these programs are likely unfamiliar…
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401k For Small Businesses With Less Than 10 Employees

With so many differing opinions as to the reliability of the social security system in the future, 401(k)s have become one of -if not the most- popular retirement savings options for Americans. For a long time, the administrative burden of managing retirement benefit plans for small businesses made it difficult for them to offer these…
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Jason Hill Quoted in Forbes Again!

Jason Hill, President of Client Focused Advisors, was quoted in an article regarding the importance of having life insurance for the spouse that stays at home to run the home and raise the children.  Below is a quote from Jason from the article: “If I had to replace what my wife is doing, it would…
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types of buy sell agreement

Types of Buy-Sell Agreements, What They Are and Which One is For You

Business ventures are extremely valuable entities. Financial strength after so many years of management is not the only driving factor of value, however. Often, the most valuable aspect of a company is the partners who oversee it, individuals who have dedicated immense amounts of resources into its successful cultivation and positive reputation. When circumstances lead…
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living benefits

Living Benefits Life Insurance for Business Owners

Do you have the peace of mind knowing your business could survive even if you had a heart attack? What about stroke or cancer; would you have access to money to cover the expenses? Did you know life insurance could be so much more than just death insurance and in fact help out while you…
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roth 401k vs 401k

Roth 401k vs 401k for High-Income Earners, Which is Best

Without extensive knowledge on the subject, finance can sometimes seem like alphabet soup with the many account names and acronyms that exist indicating so many different things. Even more than the names, the qualifying rules and implications of the many types of closely named aspects of finance can be quite confusing. When it comes to…
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Doctor Retirement Plan, Your Guide to Retiring Successfully

Retirement: the stage of your life that you spend so many hardworking years in preparation for. It’s more common than you might think for people to have a very solid vision for what they’d like their retirement to look like, but a very foggy vision of the steps that they’re going to take to properly…
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New York City Wealth Management

New York City Wealth Management, Navigating Wealth in the City That Never Sleeps

The ‘big apple’ is a city that has become well known for a great number of industries and niches that make it one of the country’s (and world’s) most popular city destinations. With upwards of 8 million residents, New York City is the 1st largest city in the United States and one of the largest…
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police officer retirement plan

Police Officer Retirement Plan, Is Your Pension Enough?

Retirement looks different for individuals depending on the field of work that they are in. Depending on your occupation, you have varying degrees of income, and therefore a different number of years that are respectively spent working toward retirement, and actually spent in retirement. Different occupations also include different retirement benefits, which may include options…
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