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Step 3 – Establish Significant Liquid Cash Reserves Using An AB-LTCI Strategy

Step 3 – Establish Significant Liquid Cash Reserves Using An AB-LTCI Strategy

Establishing significant liquid cash reserves is the 3rd step of the 4×4 Financial Plan and, frankly, it could easily have been the 1st step as it is so critical to the success of your achieving and maintaining your Financial Independence.  Why?  We need cash...
OnPointe Risk Analyzer-Make Better, Smarter, Safer Choices and Financial Decision With Your Investments

OnPointe Risk Analyzer-Make Better, Smarter, Safer Choices and Financial Decision With Your Investments

I’ve incorporated a new tool that I would like you to try called OnPointe Risk Analyzer.  The essence of the program is to evaluate your overall level of acceptable investment risk.  Below is a link to take the assessment (It will take less than 5 minutes to...
The Cash-Balance Retirement Plan, A Tax Buster and A Retirement Booster

The Cash-Balance Retirement Plan, A Tax Buster and A Retirement Booster

The Cash Balance Plan is a retirement plan designed to primarily benefit older and/or highly compensated business owners and highly valued employees.  Unlike a traditional 401k or IRA plans that limit one’s tax-deferred contributions to relatively small amounts,...
The Debt Snowball-Eliminating Bad Debt Forever!

The Debt Snowball-Eliminating Bad Debt Forever!

Our unique and proprietary financial planning system, The 4×4 Financial Independence Plan sm is comprised of 4 essential elements and 4 sequential steps as follows: The 4 Essential Elements The 4 Sequential Steps The focus of this posted is on Step #2 of this...
Establish Significant Liquid Cash Reserves

Establish Significant Liquid Cash Reserves

Establishing significant liquid cash reserves is the 3rd step of the 4×4 Financial Plan and, frankly, it could easily have been the 1st step as it is so critical to the success of your Financial Independence.  Why?  We need cash reserves for two reasons: When...
Is Your Trust Paying Taxes At A Very High Rate?  Want To Fix That Problem?

Is Your Trust Paying Taxes At A Very High Rate? Want To Fix That Problem?

In a recent study, we found that nearly 75% of tax & financial advisors use trusts for “Legacy Planning” initiatives.  While trusts are an important tool for transferring wealth to future generations, tax rates for trust income are very high.  As of the date of...
Are Your CD’s Really Safe?

Are Your CD’s Really Safe?

Certificates of deposit (CDs) are intended for the ultra-conservative investor. Why are they appealing to so many? They are touted as the “safe” investment option with essentially no risk as they are not tied to the stock market. However, how “safe” are they really...