Tuesday, January 26, 2010
What is Index Life?
Index Life is a fixed Universal Life product with interest crediting rates linked to a popular market index. The most common index used is the S&P 500. Index life is a product that is designed for your clients with moderate risk tolerance. The key benefits of an index policy is that there is no downside market risk, which is associated with Variable Universal Life. In addition, it has good upside potential with market CAPS around 11-12% that can't be achieved with traditional Universal Life. Some contracts even provide secondary guarantees on death benefit. For more information please contact me.
Monday, January 18, 2010
You are cordially invited to My Next FREE Money 101 dinner seminar
Date:
Tuesday, February 16, 2010
Time:
6:30pm - 8:30pm
Location:
Old Spaghetti Factory
Street:
111 N Twin Oaks Valley Road
Description
The New Year is Here!
So, how are you going to make
2010 your best year ever??
Many people could be doing better with their finances with just a little education, especially right now!
After all, we go to school for 12 - 16 years to learn reading, writing & 'rithmetic, but never learn anything about how money works!
Please join us for dinner and an informative talk
Money 101
Learn how to apply financial principals to grow your money for college funding, retirement planning or simply wealth accumulation-- with money you never even knew you had!
If you've come to a previous event, you're more than welcome to come again. It's good information that's beneficial to everyone, even if you've heard it before.
Mike Wilk, President and Founder of Five Rings Financial will be flying in from Denver to be our presenter for this event!!
Please RSVP to me-- Look forward to seeing you there...Oh, and feel free to bring a friend!
Agenda:
6:30pm- 6:45pm * seating /order dinner
6:45pm- 7:45pm * Presentation with Mike
7:45pm - 8:30pm - Dinner is served, Q&A
Hope you can make it!
(If you have any questions, please call me)
This is an absolutely free event - you are our guest!
Now, that's money really working for you!
Tuesday, February 16, 2010
Time:
6:30pm - 8:30pm
Location:
Old Spaghetti Factory
Street:
111 N Twin Oaks Valley Road
Description
The New Year is Here!
So, how are you going to make
2010 your best year ever??
Many people could be doing better with their finances with just a little education, especially right now!
After all, we go to school for 12 - 16 years to learn reading, writing & 'rithmetic, but never learn anything about how money works!
Please join us for dinner and an informative talk
Money 101
Learn how to apply financial principals to grow your money for college funding, retirement planning or simply wealth accumulation-- with money you never even knew you had!
If you've come to a previous event, you're more than welcome to come again. It's good information that's beneficial to everyone, even if you've heard it before.
Mike Wilk, President and Founder of Five Rings Financial will be flying in from Denver to be our presenter for this event!!
Please RSVP to me-- Look forward to seeing you there...Oh, and feel free to bring a friend!
Agenda:
6:30pm- 6:45pm * seating /order dinner
6:45pm- 7:45pm * Presentation with Mike
7:45pm - 8:30pm - Dinner is served, Q&A
Hope you can make it!
(If you have any questions, please call me)
This is an absolutely free event - you are our guest!
Now, that's money really working for you!
Thursday, January 7, 2010
You are cordially invited to My Complimentary January Seminars
Money 101
Host: KSWZ Insurance Services & Five Rings Financial
Education - Class
Monday, January 11, 2010
7:00pm - 8:30pm
The Hampton Inn
5638 Sepulveda Blvd.
Sherman Oaks, CA
RSVP on Facebook
http://www.facebook.com/event.php?eid=233899984693&index=1
Money 101
Host: KSWZ Insurance Services & Five Rings Financial
Education - Class
Tuesday, January 12, 2010
6:30pm - 8:30pm
Old Spaghetti Factory
111 N Twin Oaks Valley Road
San Marcos, CA
RSVP on Facebook
http://www.facebook.com/event.php?eid=232422958037&ref=mf
Wine, Women & Wealth
Host: KSWZ Insurance Services & Five Rings Financial
Party - Mixer
Wednesday, January 20, 2010
7:00pm - 9:00pm
The Wine Spot
2817 State Street
Carlsbad, CA
RSVP on Facebook
http://www.facebook.com/event.php?eid=215572858630&ref=mf
Host: KSWZ Insurance Services & Five Rings Financial
Education - Class
Monday, January 11, 2010
7:00pm - 8:30pm
The Hampton Inn
5638 Sepulveda Blvd.
Sherman Oaks, CA
RSVP on Facebook
http://www.facebook.com/event.php?eid=233899984693&index=1
Money 101
Host: KSWZ Insurance Services & Five Rings Financial
Education - Class
Tuesday, January 12, 2010
6:30pm - 8:30pm
Old Spaghetti Factory
111 N Twin Oaks Valley Road
San Marcos, CA
RSVP on Facebook
http://www.facebook.com/event.php?eid=232422958037&ref=mf
Wine, Women & Wealth
Host: KSWZ Insurance Services & Five Rings Financial
Party - Mixer
Wednesday, January 20, 2010
7:00pm - 9:00pm
The Wine Spot
2817 State Street
Carlsbad, CA
RSVP on Facebook
http://www.facebook.com/event.php?eid=215572858630&ref=mf
Thursday, December 10, 2009
Great referrals & testimonials
Hello all. I got this testimonial a short time ago and I was literally in tears. It feels so good to be able to assist others.
Our very own Katherine, Wichmann-Zacharias recently helped my pregnant daughter and her husband. She was having issues with her COBRA and so I referred her to Katherine who I had met through EWomen Network. I remembered her describing her extensive experience with COBRA insurance. Well, in this particular case she wasn't able to get them a policy at this time but did refer her to where she could access just what she needed. This was huge for this little family waiting on their first little baby that they have tried for 2 1/2 years to conceive. To help with lowering the financial burden for them is huge for their piece of mind. I will continue to recommend Katherine to others as she really does have their welfare in mind.
Thank you Katherine!
Sincerely,
Carrie Tomseth
CardMailbox.com
Check out www.eWomenNetwork.com. It's been the best networking group and referral source for me.
Please remember to give people referrals and thank them for their help if they do a good job for you. Have a great dry weekend!
Our very own Katherine, Wichmann-Zacharias recently helped my pregnant daughter and her husband. She was having issues with her COBRA and so I referred her to Katherine who I had met through EWomen Network. I remembered her describing her extensive experience with COBRA insurance. Well, in this particular case she wasn't able to get them a policy at this time but did refer her to where she could access just what she needed. This was huge for this little family waiting on their first little baby that they have tried for 2 1/2 years to conceive. To help with lowering the financial burden for them is huge for their piece of mind. I will continue to recommend Katherine to others as she really does have their welfare in mind.
Thank you Katherine!
Sincerely,
Carrie Tomseth
CardMailbox.com
Check out www.eWomenNetwork.com. It's been the best networking group and referral source for me.
Please remember to give people referrals and thank them for their help if they do a good job for you. Have a great dry weekend!
Saturday, December 5, 2009
When Seniors Don't Understand Reverse Mortgages
KNOW: Some vendors of reverse mortgages bundle their transactions with fees, commissions and conditions that older Americans often do not understand. Enticed by the lure of easy money, a growing number of seniors wind up losing their homes and all the equity in them, according to a special report in Consumer Reports.
DO: Trusted advisors alert their clients to the danger of doing business with high-pressure salesmen peddling reverse mortgages who extract outrageous fees. Partner with a reputable reverse-mortgage vendor to refer your clients to.
Story From: www.generationaladvisor.com
KNOW: Some vendors of reverse mortgages bundle their transactions with fees, commissions and conditions that older Americans often do not understand. Enticed by the lure of easy money, a growing number of seniors wind up losing their homes and all the equity in them, according to a special report in Consumer Reports.
DO: Trusted advisors alert their clients to the danger of doing business with high-pressure salesmen peddling reverse mortgages who extract outrageous fees. Partner with a reputable reverse-mortgage vendor to refer your clients to.
Story From: www.generationaladvisor.com
Friday, December 4, 2009
Cobra subsidy expiring soon
COBRA/CalCOBRA Subsidy Expiration
A 65% Federal subsidy was provided in 2009 to those who continued their employer-sponsored coverage. Without this subsidy, individuals could see their monthly payments increase more than 240% (from $374 to $1,068 on average), making continuing coverage very expensive. Contact me for free assistance on getting your own individual or family plan.
A 65% Federal subsidy was provided in 2009 to those who continued their employer-sponsored coverage. Without this subsidy, individuals could see their monthly payments increase more than 240% (from $374 to $1,068 on average), making continuing coverage very expensive. Contact me for free assistance on getting your own individual or family plan.
Friday, November 13, 2009
10 Tips on How to Prepare for Retirement
10 Tips on How to Prepare for Retirement
By THE ASSOCIATED PRESS
The average American spends 20 years in retirement -- and far too little time preparing for it financially.
Here are some basic tips on retirement planning, as compiled by the U.S. Department of Labor:
1. KNOW YOUR RETIREMENT NEEDS. Experts estimate you'll need about 70 percent of your pre-retirement income -- lower earners, 90 percent or more -- to maintain your standard of living when you stop working. Calculate what you'll need. Check the Labor Department guide to savings fitness on its Web site at http://www.dol.gov/ebsa/pdf/savingsfitness.pdf.
2. FIND OUT ABOUT YOUR SOCIAL SECURITY BENEFITS. Social Security pays the average retiree about 40 percent of pre-retirement earnings. Call the Social Security Administration at 1-800-772-1213 for a free Social Security statement and find out more about your benefits at www.socialsecurity.gov.
3. LEARN ABOUT YOUR EMPLOYER'S PENSION OR PROFIT-SHARING PLAN. If your employer offers a plan, check to see what your benefit is worth. Before you change jobs, find out what will happen to your pension. Learn what benefits you may have from previous employment. Find out if you will be entitled to benefits from your spouse's plan.
4. CONTRIBUTE TO A TAX-SHELTERED SAVINGS PLAN. If your employer offers a tax-sheltered savings plan such as a 401(k), sign up and contribute all you can. Your taxes will be lower, your company may kick in more and automatic deductions make it easy.
5. ASK YOUR EMPLOYER TO START A PLAN. If your employer doesn't offer a retirement plan, suggest that it start one.
6. PUT YOUR MONEY INTO AN INDIVIDUAL RETIREMENT ACCOUNT. You can put up to $5,000 a year into an Individual Retirement Account (IRA) and gain tax advantages. If you're over 50, you put an extra $1,000 into your account in what's known as a catch-up contribution.
7. DON'T TOUCH YOUR SAVINGS. Don't dip into your retirement savings. You'll lose principal and interest, and you may lose tax benefits. If you change jobs, roll over your savings directly into an IRA or your new employer's retirement plan.
8. START NOW, SET GOALS, AND STICK TO THEM. Make retirement savings a high priority. The sooner you start saving, the more time your money has to grow. Devise a plan, stick to it, and set goals for yourself.
9. CONSIDER BASIC INVESTMENT PRINCIPLES. How you save can be as important as how much you save. Inflation and the type of investments you make play important roles in how much you'll have saved at retirement. Know how your pension or savings plan is invested. Financial security and knowledge go hand in hand.
10. ASK QUESTIONS. Talk to your employer, your bank, your union or a financial adviser to get more information about retirement planning. Get practical advice and act now.
By THE ASSOCIATED PRESS
The average American spends 20 years in retirement -- and far too little time preparing for it financially.
Here are some basic tips on retirement planning, as compiled by the U.S. Department of Labor:
1. KNOW YOUR RETIREMENT NEEDS. Experts estimate you'll need about 70 percent of your pre-retirement income -- lower earners, 90 percent or more -- to maintain your standard of living when you stop working. Calculate what you'll need. Check the Labor Department guide to savings fitness on its Web site at http://www.dol.gov/ebsa/pdf/savingsfitness.pdf.
2. FIND OUT ABOUT YOUR SOCIAL SECURITY BENEFITS. Social Security pays the average retiree about 40 percent of pre-retirement earnings. Call the Social Security Administration at 1-800-772-1213 for a free Social Security statement and find out more about your benefits at www.socialsecurity.gov.
3. LEARN ABOUT YOUR EMPLOYER'S PENSION OR PROFIT-SHARING PLAN. If your employer offers a plan, check to see what your benefit is worth. Before you change jobs, find out what will happen to your pension. Learn what benefits you may have from previous employment. Find out if you will be entitled to benefits from your spouse's plan.
4. CONTRIBUTE TO A TAX-SHELTERED SAVINGS PLAN. If your employer offers a tax-sheltered savings plan such as a 401(k), sign up and contribute all you can. Your taxes will be lower, your company may kick in more and automatic deductions make it easy.
5. ASK YOUR EMPLOYER TO START A PLAN. If your employer doesn't offer a retirement plan, suggest that it start one.
6. PUT YOUR MONEY INTO AN INDIVIDUAL RETIREMENT ACCOUNT. You can put up to $5,000 a year into an Individual Retirement Account (IRA) and gain tax advantages. If you're over 50, you put an extra $1,000 into your account in what's known as a catch-up contribution.
7. DON'T TOUCH YOUR SAVINGS. Don't dip into your retirement savings. You'll lose principal and interest, and you may lose tax benefits. If you change jobs, roll over your savings directly into an IRA or your new employer's retirement plan.
8. START NOW, SET GOALS, AND STICK TO THEM. Make retirement savings a high priority. The sooner you start saving, the more time your money has to grow. Devise a plan, stick to it, and set goals for yourself.
9. CONSIDER BASIC INVESTMENT PRINCIPLES. How you save can be as important as how much you save. Inflation and the type of investments you make play important roles in how much you'll have saved at retirement. Know how your pension or savings plan is invested. Financial security and knowledge go hand in hand.
10. ASK QUESTIONS. Talk to your employer, your bank, your union or a financial adviser to get more information about retirement planning. Get practical advice and act now.
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