Wealth Talks

Did you know there have been 29 market corrections of 10% or more over the last 50 years? That averages out to more than one every 2 years and this volatility can play havoc with your financial security UNLESS you build a strong foundation of GUARANTEES first.

Investment opportunities are nice, but don't let them lure you away from building your all-important foundation. Build your foundation first and then the world becomes your oyster.

4 Steps to Wealth in order of priority = Protect, Save, Manage Debt, Invest (notice Investing comes last)

Call for your personal strategy session: 702-660-7000

Filmed on location in India 🇮🇳, with a top-quality production spanning 5 continents - The Least of These (movie) 🎬 was released in US theaters February 1st 2019. It is a story of compassion, desperation, truth, deception and forgiveness.

Hear first hand from Krish Dhanam as he takes you behind the scenes and reveals the journey of this amazing project and what the message means for you. You see, life and wealth are 3 dimensional and you have to get all 3 dimensions right to be a complete success.

Be sure to see this film while it's in the theaters and we hope you can join us for the Wealth Cruise in October 2019!

Resources:

The Least of These Movie - Find a Theater Near You

Starring actors: Steven Baldwin, Sharman Josi and Shari Rigby

iForgive.com

Call 702-660-7000 for info on the Oct 2019 Wealth Cruise with Life Benefits and Krish Dhanam

There's a big difference between quality motivation and high-pressure sales tactics often used by insurance salespeople. Here's what you need to know to discern the real deadlines so you can be comfortable with this important purchase.

There's no excuse for hhigh-pressuresales tactics, but neither is there any excuse for procrastination.

Call our office for a no-pressure life insurance experience, or a second opinion on your current policy: 702-660-7000

2019 Workshops - See the Current Schedule

Financial entertainers 🤑 will tell you that you need to "cut out your coffee" ☕️ to get out of debt, save for your future and become a millionaire!

Maybe that's true for them, but is it true for you? BALANCE is key. Discover how to balance your financial life so you can save with sustainable guarantees, get out of debt and achieve your dreams without sacrificing your quality of life.

The basic recipe is simple. Your details are unique. Call us for assistance with your strategy to get out of debt and move beyond just "debt free" to "financial freedom". 702-660-7000

Resources:

10-20-70 Cash Flow Balancing Worksheet - Download here

Prescription for Wealth ebook - Download here

Grandma's Coffee Can - Order here

There's a lot of "alphabet soup" 👀 surrounding HRAs (Health Reimbursement Arrangements), HSAs (Health Savings Accounts) and FSAs (Flexible Spending Accounts)…even people who are really smart managing money don't always realize the potential of using these tools to save money.

When it comes to HRAs there's a traditional 105 HRA and also the QSEHRA which provides great options for small business employers & employees. Now there are some new plans on the horizon for 2020 like the ICHRA and EBHRA.

Listen closely as special guest Jack Hooper from Take Command Health clears up the "alphabet soup" around all these tools so you can successfully navigate this part of your financial world and save more money than you ever thought possible.💰

Resource Links from Take Command Health:

Small Business HRA Strategy Guide - Blog

Impact of the New Proposed HRAs (ICHRA and EBHRA) - Blog

QSEHRAs for Small Business Owners - How to Start

You may remember the iconic character, Mr. Toad the motorcar fanatic 🚘, from Kenneth Grahame's classic Wind in the Willows. What you may not know is how to recognize wild Mr. Toad rides in the financial world.

2 new Debt Bubbles have been growing since the subprime lending crisis around 2008. Combined there are over 10 trillion dollars and many Americans directly exposed. Now the Federal Reserve is raising interest rates - could this pop the bubbles? 📌💥

Don't be caught by surprise. Listen for the details should know and how to protect yourself with a solid financial foundation.

Did you know Southwest Airlines made a profit every year while other airlines were struggling in a post 9/11 world? ✈️

Could war strategy books help you become a better money manager? ♖

Practical people know that truth in one area of life can often be reapplied to other areas of life with the same success. So can lessons from failure. When it comes to failure, it's always better to learn from other people's failure than from your own.

Resource Link: Facebook LIVE Jan 2019 - 6 Things You Need to Avoid Financially

Did you know that 2018 was the worst year in the US stock market since 2008?

Learn from 2018 and build a resilient toughness 💪 into your financial future for 2019 and beyond. Happy New Year!

Read more about the value of a Volatility Buffer in retirement here

Call 702-660-7000 for your personal strategy session.

Did you know that Warren Buffett's first business venture started at age 6? And at age 11 he was working in his father's brokerage firm.

Listen for the story and why it's so valuable for children to learn wise money management values as soon as possible.

Get the 2 children's books by Gracine and Anna McFie here on the Life Benefits store. https://www.life-benefits.com/store/

Also on this show - a question Dr. Bret about pre-payment penalties on business loans and some thoughts on when it's good to take a policy loan.

But IUL is no way to get great guarantees on your money. If you want to help your friend, you might even be able to pay them the commission they would have earned if you bought the policy from them, and still come out ahead! 😳

IUL is a hybrid insurance product based on term insurance where the cost of insurance is increasing every year. Discover why guarantees from Whole Life insurance are better…and if you really want to invest in the index fund, go ahead and invest directly so your growth isn't capped. 💰

Also on this show - a request from a Wealth Talks listener on Social Security: What might happen in 20 years and should you be worried about not contributing more?