Workplace Wellness Programs Threatened Sadly, the current state of corporate financial statements is threatening to cut the lifeline to the healthier workplace. The forward-thinking trend to add wellness programs into the company environment is being threatened, despite the fact that workplace wellness programs still provide all of the benefits they promised and more. Not very …
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Wellness… Well?… Has your company incorporated a wellness program into the daily routine of your employees? Or is yours one of the many companies that has had all the right intentions to start a program, but worksite wellness just hasn’t made it to the top of the latest meeting agendas? Or, there’s no room in …
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Variable Universal Life Insurance & Tax-Free Retirement Income Introduction The literature describing Variable Universal Life (VUL) insurance policies is not often easy to understand. Like all investment vehicles, VULs have both their advocates and detractors. The advocates emphasize the VUL as the flexible premium policy that combines protection against premature death with a type of …
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Today’s Annuities — Are They Expensive? Simplifying the discussion and dispelling the myths about the role annuities play today in a diversified and balanced investment portfolio. “Annuities are expensive.” “You’re always better off investing directly in mutual funds than through an annuity contract.” “Annuities have hidden costs you don’t want, or insurance expenses that you …
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The guidance for becoming a better investor won’t be found in the latest issue of “Rich & Richer” magazine. Only by understanding what has driven our lackluster investment performance in the past, can we change the behavior that will improve our fiscal futures. History, after all, only repeats itself when we fail to learn from …
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New Charitable Living Estate Program Uses Insurance Policy to Make Charitable Contributions While Protecting a Donor’s Estate You’re in your 60s or 70s. You’re planning your estate, making decisions as to where you want your money to go after you’ve gone. You’ve got $1 million in some type of qualified IRA that you don’t need …
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Are the Federal income tax rates of today destined to be higher in the future? Many say most emphatically, “yes”. And as if the gas prices, the housing slump, a declining dollar and a wobbly stock market, and the threat of inflation and/or recession weren’t enough, the impact of higher future tax rates could ultimately …
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