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Death and Taxes are Certain, but Maybe not Probate
Traditionally, when you die, your heirs have to go through a legal process of distributing your assets called probate. You are said to have died intestate if you die without a will...
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Schulz Wealth Blog
Defined Outcome In Investing: What’s That?
I don’t like index annuities, and I especially dislike variable annuities with complicated riders that supposedly promise you’ll never lose money. With these products, you get lots...
Do You Need Long Term Care and Life Insurance in Retirement?
As we get older and enter retirement, some decisions need to be made regarding insurance coverage. We know from our own experiences with elderly parents – and from what we read – t...
Long Term Care Dilemma: 7 Mitigation Steps
One of the first things I realized when I started in this business was the need for long-term care insurance. It was clear then, and is still true today, that living longer increas...
Life Insurance Agents: Where Did They Go?
Life insurance agents created the financial planning community, and sadly their own was damaged in the process. Can recent regulation spur a rebirth? Needs-based selling, where an ...
No-load Life Insurance is a Game Changer
With four kids to raise, I have always maintained a good amount of life insurance coverage. Over the years, I have made changes from time to time to take advantage of lower costs a...
Variable Annuities can be Costly
Back in the 90’s I sold a lot of variable annuities. I worked for a large financial services company that strongly encouraged the use of variable annuities and there were some adva...
Life Insurance Can Be A Beating
Buying and maintaining life insurance policies is a pain. On the surface, it seems like a pretty simple transaction but it is actually one of the most complex pieces to the Financi...
