Not Your Average Financial Podcast™

Think different about your money, your economy and your future. Be curious. Be stable. Be sane.

Episode 211: Annuity Myths Exposed

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In this episode, we ask:

  • Would you like to join us on Saturday, October 9, 2021 for the Inaugural Not Your Average Financial Summit? Join the Not Your Average Community to learn more!
  • What about the fees on annuities?
  • What about Dave Ramsey, Ken Fisher and Suze Orman?
  • What about transferring risk?
  • What about buying a guarantee that you will never run out of money?
  • How about an example?
  • What about commissions?
  • What would the investment advisor earn on assets under management (AUM)?
  • What are the fees on AUM?
  • Do these fees seem reasonable?
  • What offers a predictable income?
  • What about annuities and liquidity?
  • What about deferred annuities?
  • What about liquidity provisions?
  • What about 10% withdrawal amounts?
  • What about surrender charges?
  • What about the cumulative amount provisions?
  • Would you like another example?
  • What is the 3% rule?
  • How could you generate more income in retirement without extra work?
  • What about interest rates?
  • What about Wade Pfau’s paper in Forbes Magazine?
  • What do annuities rely upon?
  • What are mortality credits?
  • What sort of guarantees come with annuities?
  • What about the law of large numbers?
  • What about pricing out mortality?
  • What about youth?
  • What about a familial tendency toward premature death?
  • What about payments to family members?
  • What about old-fashioned annuities?
  • What about giving up control?
  • What about gaining control over longevity risk?
  • What about gaining control over a deflationary economy?
  • What about gaining control over market risk?
  • What about gaining control over sequence of returns risk?
  • What happens if…?
  • What about bonds?
  • What are the three phases of wealth building?
  • What about protecting money when the market goes up?
  • What about distributing wealth?
  • What about protecting wealth from creditors and predators?

 

 

Episode 210: Do You Believe These Four Retirement Whoppers?

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In this episode, we ask:

  • Would you like to attend the Inaugural Not Your Average Financial Summit on October 9, 2021?
  • Would you like to learn more?
  • Would you like to join the Not Your Average Financial Community to get notified?
  • What about savings running out?
  • What about anxiety?
  • What about the Alliance for Lifetime Income?
  • What about retired Americans?
  • Who has pensions?
  • Who has annuities?
  • What is changing?
  • What about 401(k)s?
  • What about rising health care costs?
  • What about concerns?
  • Who has a plan?
  • What is a myth about retirement?
  • What expenses reduce in retirement?
  • What expenses expand in retirement?
  • What about tracking expenses or budgeting?
  • What about debts?
  • What about streams of income?
  • What about taxes?
  • What about tax deferral?
  • Is pension income taxable?
  • Is social security taxable?
  • What are the rates based upon?
  • Will tax rates change?
  • What happens in 2025?
  • What about math?
  • What about required minimum distributions (RMDs)?
  • What happens at age 72?
  • Who will have to worry about the stock market in retirement?
  • What is a reasonable percentage for retirement withdrawals?
  • What is the 4% rule?
  • How much will you need?
  • What about taking into account human behavior?
  • What about liquidity?
  • What about allocations?
  • What about the returns?
  • What about volatility?
  • What about fees?
  • What about another scenerio?
  • Would you endure the market’s madness for that return?
  • Will everyday be like a vacation?
  • What about meaningful work?
  • What about volunteering?
  • What about SCORE?
  • How long do people tend to work?
  • How many people have to retire early?
  • What about vitality?
  • What about aging parents?
  • What about risk?
  • Would you like to learn about myths around lifetime income and annuities?

 

Episode 209: What’s Wrong with Self-Directed IRAs?

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In this episode, we ask:

  • Would you like to join us for the Not Your Average Financial Summit?
  • Are you a member of the Not Your Average Community? Join Here
  • What about Self-Directed IRAs?
  • What happened on Labor Day of 1974?
  • What is ERISA?
  • What about IRAs and 401(k)?
  • What about saving for retirement on your own?
  • What is an Individual Retirement Arrangement?
  • What about employer’s qualified pension plan?
  • Can an IRA be tax deductible?
  • Is an IRA tax deferred?
  • What was the annual amount that could be added to an IRA in the 70’s?
  • What about the Roth IRA?
  • What is the current annual amount that can be added to an IRA in 2021?
  • What about prohibited transactions?
  • What are the taxable dynamics and potential penalties?
  • What about flexibility and control?
  • When was the Self-Directed IRA born?
  • Can one find Self-Directed IRAs in the tax code?
  • Can there be other types of Self-Directed qualified plans, like a Self-Directed 401(k)?
  • What about a Self-Directed LLC?
  • What about real estate investing?
  • What can be included in a Self-Directed IRA?
  • Are alternative investments aloud?
  • Is an alternative investment a good idea?
  • What about custodial agreements?
  • What are the little pitfalls that could cause massive issues?
  • What about additional tax returns?
  • What about annual reporting?
  • What are the risks?
  • What are prohibited transactions?
  • What is considered improper use?
  • What about setting up a corporation?
  • What about investing in your own business?
  • What is the assumption?
  • Can you borrow from your IRA?
  • Can you use your IRA as collateral?
  • Do all these rules sound like freedom?
  • Can you purchase property that you and your family use?
  • What are the options?
  • What about purchasing real estate inside of an IRA?
  • What about a REIT?
  • What about owning a rental property or fix and flips inside of an IRA?
  • What are the problems of owning real estate inside of an IRA?
  • What about purchasing real estate outside of an IRA?
  • What about heirs?
  • What substantial cash needs for maintenance and property taxes?
  • Will $6K be enough?
  • What happened to all of the options?
  • What about RMDs or required minimum distributions?
  • Will a Roth IRA have RMDs?
  • What about the 50% penalty?
  • What about the annual appraisal?
  • What about filing with the IRS?
  • What about paying for a bookkeeper inside of your IRA?
  • What is the uniform lifetime expectancy table?
  • What if you have to sell your real estate?
  • What happens if the market crashes?
  • What about the unknowns?
  • What about the gains and losses?
  • Can you claim depreciation or cost segregation for real estate inside of an IRA?
  • Is real estate liquid?
  • Will real estate perform better than other options?
  • What will the long term risks be?
  • Will you need an IRA for a source of income in retirement?
  • Will you be forced to sell your property at the wrong time?
  • What about selling stock?
  • What about selling an entire building?
  • Is there a third option?
  • What about a fixed indexed annuity inside of an IRA?
  • What about an example?
  • What about other qualified plan options?
  • What are the problems?
  • What are the additional expenses?
  • What about the potential loss?
  • Would you like to continue to learn more?

Episode 208: Turning $82K into $20M with Chris Thurman

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In this episode, we ask:

  • What about a seed?
  • Who is Chris Thurman?
  • What about his partner Grant Thompson?
  • What happened when Mark was a client?
  • What about love?
  • What about life insurance as a central component?
  • What about a story?
  • How do we need to think?
  • What about Nelson Nash?
  • Why did Nelson Nash plant trees?
  • What about having a huge impact on your family?
  • What about the numbers?
  • What about insurance on the wife?
  • What about insurance on the husband?
  • Who do we want to insure?
  • Who do we want to benefit?
  • What happened when the son-in-law ended up in the hospital?
  • What about the paid up additions riders (PUA riders)?
  • What about the death benefit?
  • What about getting the windfall?
  • What did they do that was different?
  • What did they do with the inheritance?
  • How did she buy her house?
  • What happens at age 65?
  • What happens at her age 90?
  • What about multi generational planning?
  • Who started all of this?
  • How much did grandpa contribute?
  • What happens at the 4th generation?
  • What about life insurance on babies?
  • When do we want to start compound growth?
  • What about protecting insurability?
  • What about his son’s insurability?
  • What about teaching your children and your grandchildren?
  • What is the growth?
  • Where else can she start an outcome like this?
  • What about the Rockefeller Family?
  • What about the Rothschild Family?
  • What about the death benefit alone?
  • What have the policies grown to?
  • What about the legacy for this family?
  • Can her son handle this much wealth?
  • Why not term insurance?
  • How many term insurance policies will be in force at 90 years old?
  • Does term insurance have its purpose?
  • Why is whole life insurance required to make it work?
  • What about starting with your children?
  • What about starting with your grandchildren?
  • What about teaching kids on a camping trip?
  • What about teaching kids through example?
  • Who owns their cars?
  • Who borrows on their cars?
  • What about the “normal” way?
  • What about sharing annual reports?
  • What was his experience gifting his daughter a policy after graduation?
  • What about teaching your kids along the way?
  • What do they teach about money in school?
  • What about being normal?
  • What about being in debt up to your eyeballs?
  • What about having a nice credit score?
  • What about having a 401(k)?
  • What about sticking the money in the drywall of your house?
  • What about a sibling summit?
  • Is love part of your rate of return?
  • What principles or proverbs would Chris leave to his family?
  • How was Chris impacted by his Bank on Yourself® type whole life insurance policy?
  • Would you like to reach out to Chris and/or Grant? thompsonthurman.com

Chris Thurman is the co-owner of Thompson & Thurman in Amarillo TX and one of only 200 Bank on Yourself® Professionals in the United States and Canada.  He takes a comprehensive view of each client’s financial situation, and is passionate about guiding his clients towards success. He uses the Bank on Yourself® process to enable his clients to have a rock-solid financial plan and a predictable retirement income, with no luck, skill or guesswork required. Chris helps his clients become their own source of financing and get back what they pay for major purchases so they can have a richer lifestyle in retirement that is not directly dependent on the ups and downs of the stock and real estate markets.
Chris is married to his wife Holly and they have 3 children Austin, Claire and Spencer. In Chris’ spare time he enjoys spending his time at his kids sporting events and spending time with the family in the mountains fishing and riding ATV’s.

Episode 207: “Ask Larry” Kotlikoff How to Get What’s Yours

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In this episode, we ask:

  • Would you like to hear what people are saying?
  • Who is Larry Kotlikoff?
  • Would you like to view his books?
  • What about economics?
  • Why has the American worker not seen wages not gone up?
  • What about Irving Fisher?
  • What about consumption smoothing?
  • What if you had a freezer full of lifetime frozen steaks?
  • What did Larry do with his son?
  • What needs to be paid for “off the top”?
  • What about his software?
  • What about your future Social Security benefits?
  • What about your highest level of a smooth living standard?
  • What about a the reality of your lifetime budget?
  • How are these ideas different from conventional planning?
  • What’s wrong with high yield and high fee stocks?
  • How bad could the downside be?
  • What’s the upside?
  • What is the appropriate level of risk?
  • Who wants their living standard to drop off a cliff?
  • What about planning based on life expectancy?
  • What does economics say?
  • What is wrong with living too long?
  • What about Wall Street?
  • What about life expectancy?
  • Who will die at the average age?
  • Can we play the odds with our lifespan?
  • What about getting a maximum annuity?
  • What about waiting until age 70 to take social security?
  • Do you need to apply for the benefit?
  • What should we plan for?
  • For example, would you like your living standard to decline at age 75?
  • How might we deal with unforeseen expenses?
  • What about long term care policies?
  • Does your long term care policy account for inflation?
  • What happens if you need home health care?
  • What happens if you need a nursing home?
  • Would you like to order the new book, Money Magic?
  • What about Social Security?
  • Is there an enormous incentive to be patient?
  • What happens if you take Social Security early?
  • What about the earnings test?
  • What about the adjustment of the reduction factor?
  • Will you use benefits if you go back to work?
  • Can you earn money without losing benefits?
  • Can you suspend your benefit and start up higher at age 70?
  • What about the stock market?
  • What about periods of time where the market drops?
  • What happened in the Great Recession?
  • What happened in the early 30s?
  • What happened in 2000?
  • Will you be at a permanently lower living standard?
  • What about risk?
  • What’s a risk adjusted basis on the stock market right now?
  • What about DALBAR?
  • What about an example?
  • What about Medicare and Social Security?
  • Is Social Security in the red?
  • What about the official debt?
  • What is limited purpose banking?
  • What about leverage?
  • What about the mutual fund system?
  • Have you seen the movie, It’s a Wonderful Life?
  • Would you like to visit kotlikoff.net?
The topics presented in this podcast are general information only and not for the purposes of providing legal, accounting or investment advice. On such matters, please consult a professional who knows your specific situation.

Laurence J. Kotlikoff is a Professor of Economics at Boston University, a Fellow of the American Academy of Arts and Sciences, a Fellow of the Econometric Society, a Research Associate of the National Bureau of Economic Research, and President of Economic Security Planning, Inc., a company specializing in financial planning software. An active columnist, Professor Kotlikoff’s columns and blogs appear in the Financial Times, Bloomberg, Forbes, Vox, The Economist, Yahoo.com, and the Huffington Post. Professor Kotlikoff received his B.A. in Economics from the University of Pennsylvania in 1973 and his Ph.D. in Economics from Harvard University in 1977.

From 1977 through 1983 he served on the faculties of economics of the University of California, Los Angeles and Yale University. In 1981-82 Professor Kotlikoff was a Senior Economist with the President’s Council of Economic Advisers. Professor Kotlikoff is author or co-author of 16 books and hundreds of professional journal articles. His most recent books are The Clash of Generations (co-authored with Scott Burns, MIT Press), The Economic Consequences of the Vickers Commission (Civitas), Jimmy Stewart Is Dead (John Wiley & Sons), Spend ‘Til the End, (co-authored with Scott Burns, Simon & Schuster), The Healthcare Fix (MIT Press), and The Coming Generational Storm (co-authored with Scott Burns, MIT Press) and Generational Policy (MIT Press). Get What’s Yours: The Secrets to Maxing Out Your Social Security (co-authored with Philip Moeller and Paul Solman) will be published by Simon & Schuster in February 2015.

Professor Kotlikoff’s writings and research address financial reform, personal finance, taxes, Social Security, healthcare, deficits, generational accounting, pensions, saving, and insurance.

Professor Kotlikoff has served as a consultant to the International Monetary Fund, the World Bank, the Harvard Institute for International Development, the Organization for Economic Cooperation and Development, the Swedish Ministry of Finance, the Norwegian Ministry of Finance, the Bank of Italy, the Bank of Japan, the Bank of England, the Government of Russia, the Government of Ukraine, the Government of Bolivia, the Government of Bulgaria, the Treasury of New Zealand, the Office of Management and Budget, the U.S. Department of Education, the U.S. Department of Labor, the Joint Committee on Taxation, The Commonwealth of Massachusetts, The American Council of Life Insurance, Merrill Lynch, Fidelity Investments, AT&T, AON Corp., and other major U.S. corporations. He has provided expert testimony on numerous occasions to committees of Congress including the Senate Finance Committee, the House Ways and Means Committee, and the Joint Economic Committee.

Episode 206: Bank on Yourself® Type Whole Life Insurance Policy Loans vs. Everything Else, Round Two

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In this episode, we ask:

  • Have you heard the first episode in this series, Episode 205?
  • Which is better: a 401(k) loan or a whole life insurance policy loan?
  • How many of 401(k) investors have an outstanding loan?
  • Should the 401(k) loan be the first choice or the last choice?
  • What is the process for getting a 401(k) loan?
  • What are the 13 steps?
  • How long does it take to get a 401(k) loan?
  • What happens with a whole life insurance policy loan?
  • What are the limits?
  • What can you use the money for?
  • What do the proponents of the 401(k) loan say?
  • Are 401(k) loans a taxable event?
  • Are taxes due?
  • How will you be repaying that 401(k) loan?
  • Will you pay taxes twice?
  • What’s your bracket?
  • Have you seen the show notes on Episode 110?
  • What happens if you borrow from your 401(k) and you lose your job?
  • How fast must you repay that loan?
  • What about taxes and penalties?
  • What are the required repayment plans?
  • What about a home equity line of credit (HELOC)?
  • What about tapping into the equity of your house?
  • What about the requirement of making regular payments?
  • What about pledging your home as collateral?
  • What about a higher interest rate?
  • What about HELOC vs. whole life insurance policy loan?
  • Is the house value guaranteed to grow?
  • Are whole life insurance cash values guaranteed to grow?
  • Could you lose your home if you don’t pay off the HELOC?
  • What is collateral in a whole life insurance policy?
  • What about a court judgment?
  • What about credit ratings?
  • Can a banker call your HELOC?
  • What is the fine print in the HELOC?
  • Can you count on the HELOC?
  • Is it possible to default on a whole life insurance policy loan?
  • What happens when the loan value is the same as the cash value?
  • How might you avoid policy lapse?
  • What happens to the death benefit on a whole life insurance policy that has unpaid loans?
  • Would you like to hear Episode 203?
  • What about loaning from a brokerage account?
  • What is a margin loan?
  • Can the broker call the margin loan?
  • What about locking in losses?
  • What is liquid?
  • Is there a repayment schedule on whole life insurance policy loans?
  • What did Mark Twain say?
  • What about life insurance loans vs. whole life insurance loans?
  • Can you borrow from a term insurance policy?
  • What about universal life insurance?
  • Would you like to hear Episode 59? Episode 60? Episode 61?
  • What about the monthly costs on universal life (UL) and indexed universal life (IUL) policies?
  • What significant changes happen in these policies?
  • What are the risks to taking loans on a IUL or UL policies?
  • What happens when closing IUL or UL policies?
  • What are the tax consequences?
  • What about variable life policy loans?
  • What are the risks?
  • Will the policy lapse?
  • What about the phantom income?
  • What about the moving parts?
  • Why are whole life insurance policy loans so much safer?
  • What is on the insurance company’s shoulders?
  • What about the guarantees?
  • What is not guaranteed?
  • Can the insurance company change the costs on the policy?
  • What about annual cash value increases?
  • What about the death benefit?
  • What about the premiums?
  • What about the dividend paying whole life insurance policy?
  • How might dividends make the situation even better?
  • Who does the dividend benefit?
  • What about minimum guarantees?
  • Is a Bank on Yourself® whole life insurance policy part of your overall strategy?
  • What about the death benefit?
  • What about the living benefits?
  • What about the loan feature?
  • What about tax advantages?
  • What about security?
  • What about guaranteed growth?
  • Would you like a 15-minute meeting with Mark?

Episode 205: Bank on Yourself® Type Whole Life Insurance Policy Loans vs. Everything Else, Round One

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In this episode, we ask:

  • Have you subscribed to this podcast yet?
  • What did Patrick Henry say?
  • Does where you keep money matter?
  • Does where you keep your debt matter?
  • What happens when you are in debt?
  • How many Americans carry credit card debt?
  • What about all other types of debt?
  • What did the Federal Reserve study say?
  • What is the relationship between debt and income?
  • What about two years of indentured servitude?
  • How does that make you feel?
  • What about being debt free?
  • What about suffering?
  • What about depression and anger?
  • What did Dr. John Gathergood of the University of Nottingham study?
  • What about spending habits?
  • What about arguments about money as the top predictor of divorce, according to Sonya Britt, assistant professor of family studies at Kansas State University?
  • What about paying interest to a bank?
  • What about earning interest?
  • What about buying a car?
  • How much will you save?
  • What about earning interest?
  • What do you have to show for the money?
  • What about paying cash?
  • What about your future self?
  • How does one avoid this problem?
  • How does financing really work?
  • Are all forms of borrowing created equal?
  • What are the advantages?
  • What are the risks?
  • What are the considerations for buying a big ticket item?
  • What about a major expense?
  • What are the three things to consider when getting a “regular” loan?
    • What about the speed?
    • What about the interest rate?
    • What about the flexibility of repayment?
  • What are the three ways to pay for a big ticket item?
    • What about paying cash?
    • What about financing?
    • What about leasing?
  • What about making large purchases through Bank on Yourself® Type Whole Life Insurance Policy loans?
  • How do they work?
    • How much do you want to borrow?
    • Where do you want the insurance company to send the money?
    • How many days does it take?
  • What about compounding interest?
  • How does taking a loan affect cash values?
  • What about an example?
  • What about uninterrupted compound growth?
  • Where does the policy loan money come from?
  • Does the money leave your policy?
  • What about the insurance company’s general fund?
  • Where do the loan payments go?
  • How does the policy grow?
  • Are you using your cash value as collateral?
  • What is a non-direct recognition loan?
  • What companies offer this feature?
  • What are the companies that have limits?
  • Would you like to meet with Mark to discuss your situation?
  • Can your money be doing two things at once?
  • How simple is it to get the money out?
  • How about uninterrupted compounding?
  • How about flexibility in repayments?
  • Are you in charge of how the loan gets repaid (or if it gets repaid)?
  • What happens if the loan doesn’t get repaid?
  • Who gets the reduced death benefit?
  • How are these loans different from every other loan?
  • What about dividends being based on the profits?
  • What is a mutual insurance company?
  • Who is a shareholder?
  • What about an example?
  • Who would benefit from the mortgage payments that you would be making each month?
  • What about the growth on an outstanding loan balance?
  • What are some strategies you may discuss with an authorized advisor?
  • What about lease arrangements?
  • What about having a credit check?
  • Can you be turned down for a policy loan?
  • What is a typical APR on a policy loan?
  • What about growth and compound interest?
  • What is the time table for policy loan repayments?
  • What about the flexibility?
  • What about setting up loan repayments, as you need to?
  • What about accumulation?
  • What about paying down interest only on an annual basis?
  • What about taking policy loans for retirement?
  • Who is in the driver seat?
  • What happens when a curve ball hits?
  • What about continued growth of cash value?
  • What about paying cash?
  • What happens when one takes a loan from a universal life insurance policy?
  • What about opportunity cost?
  • How do you solve the problem of continuously interrupting the growth of your money?
  • How can this help you eliminate bank financing?
  • What about other types of loans? Stay tuned!
  • Have you subscribed already in your favorite podcast player?
  • Would you like to receive our weekly emails? (Here’s how: If you’re reading this on the nyafinancialpodcast.com website’s show notes, scroll up, look to the right, enter your email and name, and click the “Join Now” button —>)

Episode 204: Real Stories from Real People

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In this episode, we ask:

  • What have you been able to do because of your Bank on Yourself® type whole life insurance policy?
  • What about Ryan’s story?
  • What about Jessica’s story?
  • What about Frank’s story?
  • What about Krisstina’s story?
  • Would you like to join us on the Not Your Average Financial Community at notyouraverage.mn.co?

Episode 203: What If I Can’t Pay the Premiums?

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In this episode, we ask:

  • When did you start something really big?
  • What are the options?
  • What is the myth?
  • What are the strategies?
  • How is whole life insurance like a mortgage?
  • What about bills?
  • How is whole life insurance like real estate?
  • What about savings?
  • How can this benefit you in good times?
  • What happens if… ?
  • What if you hit hard times?
  • Are you able to lower your premium payment?
  • How is that possible?
  • What about the paid up additions?
  • Are paid up additions considered optional?
  • What about “catching up”?
  • What about annual premium?
  • What if the business falls on hard times?
  • What are the minimums?
  • What are the smaller monthly possibilities?
  • What about a premium offset?
  • What about surrounding Paid-Up Additions (PUAs) to pay premium?
  • What about the death benefit dropping?
  • How does one pay the premium with a policy loan?
  • What is the key difference between loans and surrender?
  • What about an automatic loan provision to pay premium?
  • Would you like to work on your situation with us? Schedule
  • What about dividends?
  • What are the dividend options?
  • What about the dividends paying premiums?
  • What are the nuances?
  • What about the reduced paid up option?
  • What are the benefits? What are the risks?
  • What happens to a reduced paid up (RPU) policy?
  • What about the irreversibility of RPU?
  • What about surrender and cashing out the policy?
  • Why is this technically possible?
  • What are the risks?
  • Why would people choose RPU instead?
  • What about a permanent policy?
  • What about buying extended term insurance?
  • What about an example?
  • What about limited pay policies?
  • What are the benefits?
  • What are some examples?
  • What about shorter premium payments?
  • What about longer premium payments?
  • What about the option to add money in the future?
  • Are you ready for rainy days?

Episode 202: Hot Tea with Marilyn Blosser

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In this episode, we ask:

  • Who is resilient?
  • Who is Marilyn Blosser?
  • How did Marilyn get into financial services?
  • What about the federal government’s mandate to hire women in the insurance industry?
  • What about a stable salary?
  • What about commissions only?
  • What about a subsidy?
  • What about an unlimited income potential?
  • What about working from the heart?
  • Will Marilyn ever retire?
  • What about the Million Dollar Round Table (MDRT)?
  • How has Marilyn dramatically changed people’s lives?
  • What about the hiring culture?
  • What about Marilyn’s work with CNA?
  • What about working with property and casualty agents?
  • What happened with Henry?
  • When did Marilyn open her own business?
  • What about high net worth individuals?
  • What are the changes Marilyn has witnessed in the industry over her career?
  • Is life insurance only about the death benefit?
  • What about the living benefits alongside the death benefit?
  • What about Dave Ramsey?
  • What about Suze Orman?
  • What about buy term and invest the difference?
  • What about the 401(k)?
  • What about the volatility?
  • What’s the plan when the market drops?
  • What about Walt Disney and J.C. Penney using the living benefits of their whole life insurance?
  • Will it go backwards?
  • How can you protect yourself from volatility, regardless of age?
  • What is the best a 401(k) can do?
  • What about risk?
  • What is not understood about life insurance?
  • What about Ed Slott?
  • Does the insurance company send a 1099?
  • What about working with happy clients for decades?
  • Why can’t certain clients put more money into their policies?
  • What about converting term insurance to whole life insurance?
  • What about overcoming the fundamental challenges?
  • What about financial illiteracy?
  • What about the busyness of life?
  • What happens in an emergency?
  • What about the cash flow spreadsheet?
  • What about paying attention?
  • What are some interesting client experiences?
  • What about Marilyn’s client who was also a convicted felon?
  • Did the felon get approved for life insurance?
  • What about the Rockefeller family’s dynastic trust?
  • What about the Vanderbilts?
  • What about Marilyn’s policies?
  • What about setting up a trust?
  • What about the policies in the family?
  • What about Ben Franklin?
  • What about long term thinking?
  • Why is Marilyn blowing the horn for properly designed whole life insurance?
  • Would you like to reach out to Marilyn by phone at 305-934-7705?
  • Would you like to reach out to Marilyn by email at mmb@blosserfinancial.com?

Marilyn Blosser was born in Miami & has lived in Florida all her life.  She’s been in the financial services business for almost 45 years.  

Marilyn is very active in her professional organization WIFS, Women In Insurance & Financial Services, having served many terms on both the National & Local Board of Directors.  She also belongs and is active in several service organizations including the American Legion.  Marilyn enjoys spending time with family & friends as well as playing golf and is an avid poker player. Reach out to Marilyn by phone at 305-934-7705 or email her at mmb@blosserfinancial.com.