Life insurance: An overlooked asset class
When added to a portfolio, life insurance can boost both diversification and risk protection. Financial advisors certainly have their work cut out for them in today’s uncertain environment. But they also have the opportunity to lead the way on best practices and become clients’ voice of reason. Being a voice of reason includes the ability … Continue reading
Estate planning for young families
Many young families put off estate planning. If asked, they may say they are too young, healthy or can’t afford it. Some have trouble just thinking about what could happen if they should die while their minor children and spouse are depending on them. But even a healthy, young adult can be taken suddenly by … Continue reading
Expanding the whole life conversation
If there’s a silver lining to the lackluster market performance of recent years, it’s that more clients appreciate the need for true — not just cosmetic — diversification in their approach to managing their financial investments. While diversification is no guarantee of success, of course, many clients have embraced the long-held notion that the key … Continue reading
Succeeding With Whole Life
Advisor Steve Vasgaard helps his clients make the leap to financial stability. Experienced senior market advisors can recall when the stock markets could do no wrong. Clients—and many advisors—assumed that stock and mutual fund portfolios would grow consistently by double digits. In contrast, cash value life insurance products were deemed a low-yield waste of … Continue reading
Protecting Gen Y’s Greatest Asset with DI
Education is key to dispelling the myth that financial protection is a discretionary need. As a cross-section of Americans to name their most important fianncial assets and you would draw some predictable responses: 401K plan, and IRA, a home – perhaps a business. Many may not hink about their ability to work and earn an … Continue reading
