Fog burns off with the rising of the morning sun. That's how weather works; but, it's not quite how life works. It seems as if people worry more and more about the market, their job, emergencies, opportunities, hopes and dreams or worries and regrets. Financially are you in a fog or in the sunshine and what happens when heavy dark clouds approach your life and they open up and rain on your life's parade? Mark Bertrang walks you through one creative way to create financial certainty for your life based upon his book – Investments Don't Hug: Embracing the Life Insurance Asset.

"The Boom for Life Insurance Policies Fades" according to a recent article in the Wall Street Journal. Now that fear of Covid-19 appears to be waning, the fear of death is waning, as well. Here's the deal though; there is still a 100% chance of death for everyone - You and I are included in that calculation. If you knew when you would die, wouldn't you want the maximum amount of life insurance coverage in force on that day....and if you didn't know the actual day, wouldn't you still wish to have the most available life insurance in place to be deposited income-tax-free into the bank accounts of all those people you loved in your life? It's just a question of how.

"The Boom for Life Insurance Policies Fades" according to a recent article in the Wall Street Journal. Now that fear of Covid-19 appears to be waning, the fear of death is waning, as well. Here's the deal though; there is still a 100% chance of death for everyone - You and I are included in that calculation. If you knew when you would die, wouldn't you want the maximum amount of life insurance coverage in force on that day....and if you didn't know the actual day, wouldn't you still wish to have the most available life insurance in place to be deposited income-tax-free into the bank accounts of all those people you loved in your life? It's just a question of how.

There is psychology in everything we want in life. Are we basing our wants and needs on the past, as Sigmond Freud, the founder of psychoanalysis would have suggested or can we be what we project into the future as Viktor Frankl, an Austrian neurologist, psychiatrist and holocaust survivor would presume? Are you a frustrated backwards-thinker or a positive forward-thinker. Motivational speaker Zig Ziglar referred to backward-thinking as "stinkin-thinkin". How does this kind of thinking project itself into the Life Insurance Asset?

There is psychology in everything we want in life. Are we basing our wants and needs on the past, as Sigmond Freud, the founder of psychoanalysis would have suggested or can we be what we project into the future as Viktor Frankl, an Austrian neurologist, psychiatrist and holocaust survivor would presume? Are you a frustrated backwards-thinker or a positive forward-thinker. Motivational speaker Zig Ziglar referred to backward-thinking as "stinkin-thinkin". How does this kind of thinking project itself into the Life Insurance Asset?

Do you judge too quickly? Thirty-five years prior to entering the financial services industry, Mark Bertrang began his career as a broadcaster. This meant working on-air for five years. Realizing that job would never 'pay-the-bills' long-term, it was suggested that he climb the ladder of broadcast advertising sales. No one ever told him that his very first client, on his very first day, of his newly acquired job would yell at him to "leave my store or I'll call the police!" Here's the story of that very first day and of another client which Mark still reminisces about a generation later, that forever touched his heart and soul.

I am often amazed when I enter a brand-new building. I love looking at the architecture. The walls, the ceiling, the floor, the furniture. Everything that has made the new building, the wonderful structure it is. Yet, below it all lies the foundation of that building. The foundation is where you begin. The foundation is what holds it together. The foundation is what allows the building to be built and hold true. The same thing goes with your financial life. It's the foundation that begins the process of building your future security and holds true for all of your future possibilities.

Other than your home, your single largest asset may be your retirement account. Many older folks want to leave their 401K, IRA or other retirement account to their kids or grandkids. They believe they're doing to wonderful thing; but, are they? Instead are they setting themselves up to providing a big, fat 'gift' to the government in the form of a huge check in the form of taxes due? Is there another way?

Other than your home, your single largest asset may be your retirement account. Many older folks want to leave their 401K, IRA or other retirement account to their kids or grandkids. They believe they're doing to wonderful thing; but, are they? Instead are they setting themselves up to providing a big, fat 'gift' to the government in the form of a huge check in the form of taxes due? Is there another way?

The road ahead might be one less traveled; but what if it's a road that's been closed to you? Then it doesn't matter, because it now becomes a road you could never experience. We're told that we can do anything we wish, we only need to dream it. That's a great saying, but it's not true. We need to plan, execute and put forth the effort to make things happen in our lives. Yet most important, we need to move forward while the road is still open, available to travel upon. Time is our enemy. Uncertainty is our enemy. Procrastination is our enemy. There's a song that goes - "This is the day which the Lord has made. Let us rejoice and be glad in it." Today IS the day for you to sing and rejoice in it. Make today the starting point of choosing your road and taking that first step now before potentially being blocked by a future 'road closure'.