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*Financial Awakenings

The Risks of Annuity Insurance

Watch this video on YouTube Many investors, panicked by the market crash of 2008-2009, started a search for some type of investment vehicle to protect them from the next market downturn. Some decided the answer was a variable annuity with a “guaranteed living...

Fighting to Keep What You Build

A Bankrate article by Bruce Fraser that was also published at Fox Business on December 12, 2013, points out the importance of not only building wealth, but also of protecting it. The piece focused on three wealth destroyers: taxes, inflation, and overspending. Rick is...

The Headache of Enrolling in Obamacare

Watch this video on YouTube Like millions of Americans, I jumped on Healthcare.gov on October 1 to view the long-anticipated plans on the insurance exchanges mandated by the Affordable Healthcare Act, known as Obamacare. I needed a new healthcare plan and purposely...

Credit Unions on SD Bank Franchise Tax

My recent column on South Dakota’s bank franchise tax drew a response from credit union representatives. Not surprisingly, they don’t agree with my suggestion that banks and credit unions would compete on a more level playing field if they operated under...

Real Financial Planning a Lifelong Relationship

Watch this video on YouTube Ron was in his 70s when he first came in to ask about engaging my services. He said, “My wife is upset. She’s lost faith in my ability to run our finances.” He handed me the latest statement of his retirement portfolio. I...

Who’s Your Marley?

Here’s an interesting perspective on the transformation of Scrooge as described in Rick’s co-authored book The Financial Wisdom of Ebenezer Scrooge. Justus Morgan’s December 4 “To Your Wealth” column for The Journal Times of Racine,...