Dan Foss 
Imagine you’ve spent 30 years building a retirement portfolio – carefully managing market risk, taxes, and income planning. You’ve done everything right. Then, in your mid-seventies, a health event requires extended care. Within two years, a significant portion of what took decades to build is gone. This isn’t a worst-case scenario. For millions … Read more
Is your retirement income reaching its full potential? A guide for union construction professionals looking to claim every dollar they’ve earned. You have spent decades working hard, managing volatile building seasons, and enduring physical labor to build a comfortable future. If you are a part of a building trades union with a 401(a) Annuity Plan, … Read more
Throughout your career, your focus was on growing your wealth. You saved consistently and invested wisely to maximize the size of your portfolio. Taxes were always a factor, but they didn’t limit your ability to accumulate. Retirement changes that. As soon as you begin to draw income, you face the shears of taxation, … Read more
Annuities can be framed as an asset class that helps households manage market risks and risk of outliving assets. They provide both investment returns and lifetime income benefits, enhancing financial planning for retirement. Annuities offer protections such as lifetime income to manage longevity risk. Structured annuities improve the efficient frontier for investors by enhancing … Read more
Why Holding That Old Annuity Could Be Costing You Most people understand the logic of refinancing a mortgage in a low-interest rate environment. Similarly, savvy investors know that different economic conditions—whether expansionary or recessionary—favor different asset classes and strategies. However, one area often overlooked is how higher interest rates can significantly enhance the value of … Read more
With the election behind us and a new administration in office, there is much to discuss with my clients about what economic policy changes lie ahead, and how that may impact their financial future. Top of mind are taxes and the market. Please call me or set up an appointment if you would like to discuss: … Read more
Investing is a powerful tool that can help individuals build wealth and secure their financial future. While there are various investment options available, one often overlooked avenue is investing with insurance. Here, we will explore the advantages of life insurance as an investment and how it can provide a secure path to financial growth. Protection … Read more
Does This Life Insurance Cure Underfunded Retirement Savings? A whole life insurance policy is a type of permanent life insurance that provides coverage for the entire lifetime of the insured, as long as premiums are paid. It typically includes both a death benefit (paid to beneficiaries upon the insured’s death) and a cash value component, … Read more
The most common pitfalls of retirement planning are inflation, taxes, market risk, and long term healthcare. Planning and setting aside funds for retirement can enhance your enjoyment in post-work years. Unfortunately, there are also some pitfalls that reduce lifestyles in that same period. A while ago I heard the phrase world money destroyers used for … Read more
From sound financial planning advice to peace of mind, a financial consultant can assist individuals and businesses in several valuable ways. Let’s take a brief look at just the tip of the financial planning sword that a professional wields. We’ll get more in depth in future installments. Financial Planning With a Consultant A financial advisor … Read more
