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There comes a point in life where you want to begin sharing or gifting all the things you’ve collected over the years—stories, wisdom, financial wealth. And unlike the Ancient Egyptians believed, you cannot take your worldly goods with you when your light goes out. You can share your stories wisdom in a manifesto or through funny tales to your family, but what about the money?

Here’s a thought: retirement doesn’t mean the end. It doesn’t mean an end of self-importance or purpose, it just means a new chapter—a paradigm shift of what life is beyond long days and meetings and bosses. Unless you own your own business, and even then, you are not your business.

Critics of whole life insurance point to the higher premiums these plans require and the inflexibility of the payment schedule.

Few consumer products are the object of a love/hate relationship as life insurance.  The thought of buying life insurance is not something that most physicians relish, yet, if it is done right, it can provide the greatest peace-of-mind a person can have. The key is to do it right.

Business owners have a tremendous opportunity to generate significant rewards from a business in which they have invested heavily. However, as with any opportunity with the potential for great rewards, there are great risks, many of which have the potential to create a serious financial hardship on a business.

Evidently, in a field like financial services, it matters which words we use as professionals. Occasionally, similar concepts get conflated, confusing the general public. For example, saving and investing are two fundamentally different disciplines with different tools and goals. Despite those differences, it's a common misconception that using relatively riskier retirement investing tools is the same as building safe money savings. By the same token, this confusion also extends to popular impressions of what the "economy" is and what our nation's "fiscal" situation is.

When you buy a life insurance policy, you are essentially transferring your financial risk to a life insurer which then becomes obligated to pay your beneficiaries based on the contracted amount of death benefit purchased. The life insurer is able to assume the risk because, based on its data, it knows when you are expected to die.

For most people the difficult decision is not “if” they need life insurance, but “how much” life coverage they need.

As we grow up, we come to understand just how terribly long some moments in
time can feel. For instance, a child will never understand how long the week prior to
payday can feel when money’s tight. Your teenager (probably) won’t appreciate that
hours feel like eons when you’re waiting for that "I made it here safe" call or text. While
it can be frustrating, it’s important to remember that that disconnect in our sense of time
is a two-way street. As our adult lives speed up and each day represents a smaller and