I came in to this business in 2005 with no money, no gray hair, and no experience. Exactly what every retiree wants when working with a financial adviser, 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, […]


FREE Dinner in Hawaii Invitation! Interested in learning how to have the best retirement possible for you and your loved ones? Come to a FREE dinner in Hawaii – Kailua, Oahu Are you wanting to learn how to make 7% on your emergency fund or bank money? Want to know how to NEVER run out […]


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 […]


Oh those Joker Brokers, they’ll just say anything to steer you away from safety won’t they? Deep breath Charlie, go to your happy place, relaaaaaaaaax….. Ok I think I’m ok to write now. WHAT ARE THEY TALKING ABOUT? Joker Brokers make more money than any of us in the industry because they put YOU in […]


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 […]


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 […]


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 […]


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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