Our site Contact us View online New Home Equity Acceleration Plan Smart Phone App. Would you like to pay off your mortgage 5, 10, 15+ years early with a plan that does NOT require you to change your lifestyle and has no downside risk. That plan actually exits and it’s called the Home Equity Acceleration Plan (HEAP). it’s been… read more →
The concept of using tools to provide a guaranteed lifetime income stream is more important than ever in a time when the stock market has been down 46% (2000-2002) and 59% (2007-March 2009). Thank you for your interest in the 7% return (accumulation value) FIA product that is coupled with a guaranteed lifetime income you can never outlive. We understand clients are worried about running… read more →
Today there are many life insurance agents pitching the use of Cash Value Life (CVL) insurance as a way to save for college. Unfortunately, CVL insurance will NOT work for most and could be a financial disaster for many. Because most people have no idea why CVL insurance is NOT a good college funding tool, I created a 10-page paper… read more →
Ameriprise Agrees to 27.5 Million 401(k) Settlement! Once you read this article, you should be motivated to read my book Bad Advisors: How to Identify Them; How to Avoid Them. To download this book for free go to www.roccy.org or simply e-mail me at roccy@badadvisors.com and I’ll e-mail you a copy in PDF. Did you know that Ameriprise (a financial… read more →
I was researching what is known as “Smart Beta,” and I had no idea that some publications think that 2015 is going to be the year of Smart Beta. Many in the industry think Smart Beta is stupid. I agree but for a completely different reason as you’ll read below. What is Beta? Not everyone who reads my newsletters knows… read more →
By Jeff Benjamin Copyright Investment News Matching the index last year would have involved too much risk As financial advisers roll through annual client reviews, many will face the task of having to explain how their portfolio strategies so badly lagged the 13.7% gain by the S&P 500 Index last year. Fact is, a truly diversified investment portfolio should have… read more →
A question that a lot of people have these days is whether their advisors (current, past, or new ones that are trying to get in the door) are any good. I’m here to answer that question for readers. Do you have any of the following advisors? -Insurance Agent -Financial Planner -Attorney -CPA Have you ever wondered if the advice they… read more →
Before I get going, if you want to learn how to avoid market crashes and invest money without the fear of loss, you should read my new book titled: Peace of Mind Planning: Losing Money is No Longer an Option. To get a copy of my new book in an e-format for FREE, simply e-mail roccy@nolongeranoption.com.What are P/E Ratios? P/E… read more →
Creating an income for life that can’t be outlived is very in vogue right now in the financial services industry. Why? Because clients have been burned too many times by stock market crashes and the one thing they fear the most is running out of money in retirement. If you would like a copy of my new Income for Life… read more →
This checklist is meant to give you a quick assessment of your situation. Please circle your answers (for those who want help, you can fax this list to (313-887-053) or e-mail it to roccy@wealthpreservationinstitute.com). 1) Are you invested in stocks, bonds, or mutual funds (including index funds)? Yes or No 2) Are you using variable annuities? … read more →
