I came into this business in 2005 with no money, no gray hair, and no experience. Exactly what every retiree wants when working with a Financial Advisor, right? However, I did have a conviction for the truth. Two plus two is always four no matter who has said it. So I said to myself, “I’m […]


As I begin this educational series on annuity myths, and why Americans hate them so much, Let me start with a bit of history I’ve now been an Insurance Agent for over 12 years focusing on using insurance company products (Cash Value Life Insurance and Annuity Contracts) to solve problems that retirees and future retirees […]


Episode 085: Charlie, What’s Your Net Worth? Apply the strategies and techniques of Renovating Retirement. I talk about how much I am worth and what my net worth is. Included in this episode: The key to growing your money is earning a rate of return, or profit or arbitrage. Your money must be turning into […]


Spend less than you earn…and save the rest! Stop Losing Money Using indexed strategies, where you lose no money when the market goes down, will protect you from losses you cannot afford to recover from over a 28-year period. Losing money is optional. More Risk, More Reward is no longer true! A little-known tool called The Annual Reset […]


Episode 080: Using Mortgages to Supercharge Investments In this episode, I’m going to teach you how to use mortgages to supercharge any type of monthly or annually funded investing you are doing. If you are putting money into 401Ks, IRAs, or mutual funds monthly or annually there’s a better way that can net 91% more […]


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 Men of Abundance Podcast The Men of Abundance Podcast is hosted by Wally Carmichael and is based […]


I recently recorded 5 Renovating Retirement Podcast episodes on how home equity is not a wise investment. Home equity is defined as is the market value of a homeowner’s unencumbered interest in their real property. Money put inside of the home and the interest on top of the mortgage. Home equity and mortgages go hand […]


Episode 079: Where to Store Home Equity The last four episodes have proven that home equity fails every test of a wise investment and that no one can say that paying off your mortgage is a conservative strategy. So, if you are not going to pay off your mortgage, where should you be storing/building up […]


Episode 078: Home Equity Fails Tax Treatment Test In this final episode of the four episodes where I show that home equity fails all of the tests of a wise and good investment. Besides failing the Liquidity Test, the Safety Test, and the Rate of Return Test; home equity also hurts you on your taxes, causing you […]