Since the enactment of our most recent Affordable Care Act (2010), we have talked about taxes, more so than we have in a long time. And you will see that my newsletters, my blog posts, etc. sometimes mention our tax burden. Many times, I sit down with a family for estate planning, and look at the risk they have assumed versus the return.

In many cases I see a nicely diversified portfolio, but I also see unsecured principal. I see broker fees, taxation, and the return posted on the statement. If I take the return posted on the statement and net it down to include the items I just mentioned, their rate of return is not commensurate with the risk of unsecured principal.

I think there is a place in all of our lives for speculation. It’s a game, it’s fun and who knows – you might win! But, to take hard-earned dollars and put everything on the line and sit back and hope we come out at the other end is not what I advocate.

If I could show you a way to have 100% principle guarantee tax-deferred, no broker fees, access to your funds and a current interest rate guaranteed of 3.9%, would you want to know more? There really is such a thing.

The first year interest rate that I just mentioned can change from time to time. So, someone that made a purchase in July could have a different first year interest rate than someone who purchased in December. What is important is the guaranteed minimum rate of return.

The guaranteed minimum rate of return is also missing in the portfolio I mentioned. The guaranteed principle and the guaranteed minimum rate of return still exceeds what you would get either at the bank in CDs or on most well-diversified financial statements.

Please call me so we can compare apples to apples and create some balance on your investments. I am a firm believer that our risk tolerance should be in direct proportion to our wants, our needs, our aging, retirement planning, etc. Let’s get some balance to your life! You will be amazed at how comfortable it feels to have security.

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