The Loux Team, No Fee Financial Analysis & Guidance

07/26/2026

07/13/2026

Does your HR department or business owner know about this? The most likely answer is no.

If it could save you money, would you tell them about it?

If you helped save your company tens of thousands, might you get a raise or a big bonus?

Individual Coverage Health Reimbursement Arrangement:
is a type of health benefit plan allowed by the IRS that lets employers reimburse their employees tax-free for individual health insurance premiums and other medical expenses, instead of providing a traditional group health insurance plan.

Dean Loux - 717-271-1163

06/30/2026

According to the most recent data from the LIMRA and Life Happens Insurance Barometer Study, while specific percentages narrow down as demographics overlap, a significant portion of Millennials rely strictly on employer-provided benefits or carry no individual coverage at all.

Here is how the breakdown looks for Millennials (especially those with families):

The Group Life Insurance Relyance
The "Work-Only" Trap:
Across all working Americans, about 30% of those who have life insurance are only insured through a group policy at work.

The General Underinsured Gap:
Approximately 49% to 52% of Millennials own any form of life insurance. However, 47% of Millennials (roughly 34 million adults) openly admit they either have no coverage or have a severe coverage gap.

Millennial Parents:
Even though milestones like marriage and children usually spur people to buy private policies, 56% of Millennial parents report that they do not have enough life insurance coverage to protect their families.

Why Are So Many Millennial Parents Underinsured?
The studies point to two main culprits behind why married Millennials with children avoid buying independent individual policies outside of work:

Overestimating the Cost: Millennial parents are highly budget-conscious. On average, 8 in 10 Millennials overestimate the cost of an individual term life insurance policy. Many assume a healthy 30-year-old would pay over $1,000 a year, when a basic individual term policy often costs closer to $150–$200 annually.

The "Decision Paralysis" Factor:
Roughly 29% of Millennial parents say they haven't bought outside coverage simply because they don't know what type to buy or how much coverage they actually need, causing them to defaults to whatever basic package their employer provides.

If you don’t know what you don’t know, we can help.

Text Paula Loux @ 717-271-1163
Text Dean Loux @ 223-403-0192
[email protected]

06/30/2026

Remember the class you had in high school on comprehensive personal & family financial planning?

You don’t?

That’s because there wasn’t such a class offered!

Have you ever wondered why?

Ask yourself this…
Who benefits financially from masses of people not understanding the basics about health insurance, life insurance, auto insurance, home insurance, credit cards, home mortgages, taxes, mutual funds, ETFs, retirement planning, fixed index annuities, wills, living wills, power of attorney & trusts?

Did you answer, insurance companies, banks and the IRS?

Hmmmm 🤔

Do you understand how compound interest works? Do you think the banks, insurance companies and IRS do? If you don’t know and they can profit because of that, will they ever want to teach you?

Think of compound interest as "interest on interest."

When you save or invest money, you earn a percentage on your initial deposit. In the next period, you earn interest on your original money plus the interest you just made. It creates a snowball effect: your money starts making money, and then that money makes even more money.

To see this in action, let’s look at what happens to $1,000 over 30 years in two different places.

Since interest rates fluctuate, we will use two realistic long-term averages for this comparison:

1. The High-Yield Savings Account (HYSA): Compounding at an average of 4% per year.

2. The Stock Market ETF (e.g., S&P 500 index): Compounding at an average historic return of 10% per year.

Here is how that $1,000 snowballs over 30 years:

The Bank Savings Account
(4% Return) a VERY generous assumption
= $3,243

The ETF Investment
(10% Return)
= $17,449

So, why do people stash money in the bank? Fear. Lack of knowledge. They don’t know what they don’t know.

Reach out with questions. 🙂

06/16/2026

Today is #25! 🥂

06/11/2026

Attention Realtors: Preapproval Story

Some of you know what we do and why it makes a difference for your buyers. I think many of you are still not sure about what we do differently though. The best way to understand is to simply give an example.

We received a referral from our clients who just bought their home roughly four months ago. The new clients are 33 & 34 with an almost three year old and one to be here in October.

Both have good jobs and average credit (just over 700). They have some savings that came from their wedding (not quite $20,000). Very little in retirement so far.

My method to calculate preapproval is based on comfort - not maximums. They told me they could sleep comfortably at night with a total monthly payment of $2,200. For them, based on DTI and their available cash, that means a max approximate loan amount $300,000 and max approximate purchase price of $320,000 (depending on the property taxes of course - I always estimate taxes on the high side, so there is room to bump these numbers up potentially). All normal stuff, right? All the same as every other good loan officer does it. Nothing amazing.

Here is where we differentiate. While we get the info needed for the preapproval analysis, we simultaneously get other financial information. Auto insurance policies, health insurance plans, life insurance, tax return history, 401k or IRA contributions and even phone and gas costs.

Cutting to the bottom line, we have now saved our new buyer clients $400/month on their health insurance (with lower deductible and no doc required networks) and lowered their auto premium by $60/month with improved coverages. They had never even thought about shopping for better options on either. We are also able to significantly improve the life insurance plan, adding $400,000 more coverage for $25/month LESS. Historically, they normally get roughly $2,500-$3,000 back (both W2 earners). We are helping them make super easy changes at work that will put $200/month more in to their take home pay.

So, let’s add that up. $400+$60+$25+$200 = $685

We don’t refer clients away to someone else for these improvements - they work with us directly. We are multi-licensed, not just mortgage licensed.

$2,200/month preapproval for $300,000 loan and $685 cash flow improvements, BEFORE THEY EVEN WENT TO SEE THEIR FIRST HOME!

Interest rates are a dime a dozen. We all have that. Lots of loan programs - again, nothing special - many of us have a big menu for all situations. Reliability and knowledge should be a norm that you EXPECT from your favorite lender(s) - but these two things do often separate us from the average or less than average loan officers. Reliability and knowledge don’t make us special or more valuable compared to the real pros. At the pro level, these things are also just common.

We recognize and respect all of the pros in the area. To compete and be different than that group, the loan officers you probably refer to now, we decided to do dramatically more to help buyers. Our client experience ends not only with a new house and mortgage payment, but a comprehensive financial plan and services. We want buyers who are 100% clear and totally comfortable with total financial peace of mind.

If you think of yourself as a relationship driven Realtor, hopefully this speaks to you. When we find financial improvements like above, we always give the full credit to our referral partner. Your introductions are what make those things possible! We work VERY HARD to get YOU more referrals.

If our model fits your personal business beliefs and primary target market, we would appreciate being added to your lender list. Check out our website for more info about other improvements that we can provide. Reach out if you’d like to meet and ask questions. TEAM = Together Everyone Achieves More 💪🏼

www.financialhouseplans.com
Dean Loux 223-403-0192

06/11/2026

Attention Realtors: Preapproval Story

Some of you know what we do and why it makes a difference for your buyers. I think many of you are still not sure about what we do differently though. The best way to understand is to simply give an example.

We received a referral from our clients who just bought their home roughly four months ago. The new clients are 33 & 34 with an almost three year old and one to be here in October.

Both have good jobs and average credit (just over 700). They have some savings that came from their wedding (not quite $20,000). Very little in retirement so far.

My method to calculate preapproval is based on comfort - not maximums. They told me they could sleep comfortably at night with a total monthly payment of $2,200. For them, based on DTI and their available cash, that means a max approximate loan amount $300,000 and max approximate purchase price of $320,000 (depending on the property taxes of course - I always estimate taxes on the high side, so there is room to bump these numbers up potentially). All normal stuff, right? All the same as every other good loan officer does it. Nothing amazing.

Here is where we differentiate. While we get the info needed for the preapproval analysis, we simultaneously get other financial information. Auto insurance policies, health insurance plans, life insurance, tax return history, 401k or IRA contributions and even phone and gas costs.

Cutting to the bottom line, we have now saved our new buyer clients $400/month on their health insurance (with lower deductible and no doc required networks) and lowered their auto premium by $60/month with improved coverages. They had never even thought about shopping for better options on either. We are also able to significantly improve the life insurance plan, adding $400,000 more coverage for $25/month LESS. Historically, they normally get roughly $2,500-$3,000 back (both W2 earners). We are helping them make super easy changes at work that will put $200/month more in to their take home pay.

So, let’s add that up. $400+$60+$25+$200 = $685

$2,200/month preapproval for $300,000 loan and $685 cash flow improvements, BEFORE THEY EVEN WENT TO SEE THEIR FIRST HOME!

Interest rates are a dime a dozen. We all have that. Lots of loan programs - again, nothing special - many of us have a big menu for all situations. Reliability and knowledge should be a norm that you EXPECT from your favorite lender(s) - but these two things do often separate us from the average or less than average loan officers. Reliability and knowledge don’t make us special or more valuable compared to the real pros. At the pro level, these things are also just common.

We recognize and respect all of the pros in the area. To compete and be different than that group, the loan officers you probably refer to now, we decided to do dramatically more to help buyers. Our client experience ends not only with a new house and mortgage payment, but a comprehensive financial plan and services. We want buyers who are 100% clear and totally comfortable with total financial peace of mind.

If you think of yourself as a relationship driven Realtor, hopefully this speaks to you. When we find financial improvements like above, we always give the full credit to our referral partner. Your introductions are what make those things possible! We work VERY HARD to get YOU more referrals.

If our model fits your personal business beliefs and primary target market, we would appreciate being added to your lender list. Check out our website for more info about other improvements that we can provide. Reach out if you’d like to meet and ask questions. TEAM = Together Everyone Achieves More 💪🏼

www.financialhouseplans.com
Dean Loux 223-403-0192