Uh, no they don’t. This is kind of like saying “Your Doctor is going to drill a hole in your head to let the sickness come out with the blood as it runs out”. Uh, no they won’t….at least not anymore. This may have been true 30-40 years ago but it certainly isn’t true of […]


Let me just be a jerk for a minute (as if that’s unusual 🙂 ) Please send me the list of Annuity companies that have gone out of business in the last 100 years and not paid their policy-holders every cent that is due to them. Keep looking, I’m patient, I can’t wait. (Jeopardy Music […]


Last we we started talking about Myth #1: Annuities Have High Fees, this week we’re going into Myth #2: Annuities will tie up your Money and Limit your Access. If I had a dime for every time a prospective client said to me “I don’t want to tie up my money” or “won’t that tie up […]


RR Episode 086: Ignorance or Morality, does it really matter? The Renovating Retirement podcast has now been live for almost nine months. Every week I review financial plans from people all over this great country. I’m speaking live in four cities, working with advisors in six cities and building financial plan for people all over […]


RR Episode 085: Keeping Your Money – Keeping it Working Keeping your money – keeping it working is the fourth episode of an 8-part series based on a book I am writing. Keep it in focus (What are we doing and why are we doing it?) Keep it global (merit) Keep it real (average vs. actual) Keep […]


This is a great question as Life Insurance can be used to do a number of wonderful things: They are sick of not earning any money on their bank account/cash/emergency fund money Use Single Premium Universal Life Insurance with Full Return of Premium to average 2–4% with a death benefit and possibly Long Term Care […]


Hosting a podcast takes a lot of time, but it’s also very rewarding. I’ve interviewed a few people on my show, and I’ve had the opportunity to be interviewed on a few shows as well. One being The Old Dawg’s REI Network The Old Dawg’s REI Network is hosted by Bill Manassero. He presents an engaging series […]


RR Episode 081: The Problem of Reverse Dollar Cost Averaging Dollar Cost Averaging is a very popular strategy when you are saving money for retirement. When you retire and begin taking money out of retirement accounts, Reverse Dollar Cost Averaging presents a problem and it’s important to understand this problem. In this episode, I’ll explain Reverse […]

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