“Money 101”

What do wealthy people know that middle-Americans do not? I would say that the answer is “how money works.” We go to school for 12-16 years and learn reading, writing and arithmetic but never learn the fundamental principles of money and how it works. Do you honestly feel that you have enough money for all your needs and wants?

I have been reading (actually listening on audio tape) to “Money: Master the Game” by Tony Robbins. It is an excellent book but very long. Wouldn’t be great if someone would compact the information, make it readily understandable and treat you to dinner besides? I have that opportunity available to you.

Mike Wilk of Five Rings Financial is business partner of mine. He is a fabulous speaker and presents a workshop locally each month called “Money 101”. This is not a sales seminar, but an educational setting. He teaches you how to grow and protect your money for college funding, retirement planning or simply wealth accumulation- with money you never knew you had.

I ‘ll bet that even if you know about money, you will enjoy this presentation and probably learn something new. But more importantly, is there someone in your life who you care about that needs to hear this? They are welcome to attend also at no cost or obligation.   Mike covers the power of compound interest and how it can work for you or against you. Do you understand the Rule of 72?

Wealthy people know the devastating effect that taxes have on wealth accumulation. They have lawyers, financial advisors and CPAs whose job is to keep them from paying that wealth in taxes. You too can learn that there are financial products available to protect your savings by not only growing it tax deferred, but receiving it back tax-free. Again, nothing is being sold here. You will not be required to sign in and be subject to later sales calls. Five Rings Financial only works with volunteers.

Both Tony Robbins and Mike Wilk talk about indexing. Indexing allows your money to grow over time and guarantees that you never will lose it. You have the advantages of the stock market without any of the risks. Sound too good to be true? You will learn about financial products that make certain you never outlive your money. These guarantee to provide life-time income. Did you know that you can buy life insurance that you don’t have to die to use? If you become critically or chronically ill, you can access a portion of the death benefit, not just the cash value.

Because I am passionate about helping people, I want you to attend as my guest. Please let me know if you are interested and I will extend you an invitation with the date, time and location.


“I Sell Money.”

Yes, that is what I do.  Pretty plain and simple.  Twice this past week, I have been challenged to come up with a new elevator speech.  You know the one, where someone asks you “What do you do?”   So, I woke up at 4:30 A.M this morning to this realization.  I used to say, I am an insurance agent. But in reality, my end product is money.  Money from insurance companies when you or your family need it most.  When you get sick or hurt, it is your medical insurance that pays those big bills.  If you become sick or disabled, there is money to pay those pesky bills.  When you die, (notice I did not say if), your family will have money to take care of your final expenses.  And if your family depends on you financially, there is money so that they can go on with their lives.  And, if you are lucky enough to retire, I sell money so that you can never outlive your money.  Pretty good idea, right?

To get a bit more technical, I use insurance products to leverage money.  Not nearly as compelling is it?  How about, “I sell dollars for pennies?” That is an old one, but true.  Insurance is a great product.  But how do you know if you are getting a good deal?  That is where I come in.  I sell for a lot of reputable and financially loaded insurance companies.  But some have better products to meet your needs than others.  Some of them give you a better deal for your money. I can help you understand what it is that they are offering to do and help you shop for the one that is best for you and your family.

It’s All About Safety, Flexibility and Guarantees!

Do you know that a person retiring soon, can expect to be in retirement 20 years or more?  That is a long time for retirement money to last!  Wouldn’t it be great if we had a pension plan like our parents and grandparents had?  That way, we could never outlive our money.  Well, corporate pension plans are mostly gone and nowadays, our retirement funds are in 401K’s, 403 B’s, Mutual Funds and Stocks.  What is scary about that is that our money is at risk, usually invested somehow in the stock market which has been known to lose our money.  We can move our money to safe investments such as CDs.  Taking inflation into consideration, this is a safe way to slowly lose our money.  Fortunately, we have another option.  It is an insurance product called a “Fixed Indexed Annuity with a guaranteed lifetime income rider (GLIR).”  Its’ advantages include:

  • Flexibility and Safety
  • An Income stream that you can never outlive
  • You will never lose your money
  • It allows for the “upside” growth potential of the stock market, without actually being “in” the stock market
  • Free withdrawals
  • A Death Benefit
  • Terminal Illness and Confinement options
  • Bonuses for investing your money for the long haul
  • You do not have to “medically qualify”
  • Money can grow tax free

Does this sound “too good to be true”?  Well, it is a guaranteed private pension plan backed by very reputable, financially sound and savvy insurance companies which are licensed and further insured by the State Bureau of Insurance.  Best of all, there is never any obligation or pressure to buy when working with me.  Why not check it out further? What do you have to lose?