Watchdog Insurance Agency

10/02/2021

Here's an article worth reading. This explains why banks invest so much into BOLI.

“Put simply, BOLI is attractive to the banks because it can produce better returns that the banks couldn’t otherwise achieve.” – Fool.

09/17/2021

PREMIUM FINANCING TO GENERATE WEALTH

Premium Financing has been around for years to help the wealthy protect and grow their money while enjoying tax advantages to avoid some of their tax liability. I've even included a video of a group of Financial Advisors that even discuss how this is an option for someone with as little as $4 million in net worth.

What if you don't have $4 million in net worth? Shouldn't this option be available to you if you have $2 million in net worth? How about $1 million? $500,000?

I have no problem with someone getting a legal tax savings but shouldn't it be available to more than just a small percentage of the population? Certainly others could use some advantages as well, don't you agree?

The good news is I'm part of a group that has been doing this for the people (and small businesses) that have less than $4 million in net worth for more than 20 years now. If you would like to see an example let me know in the comments section and I'll send you one of our Case studies.

Here's the video highlighting how Premium Financing should only be for the wealthy based on their opinion....

Premium financing has been a very lucrative path for agents to gain a significant amount of business from just a few cases. However, when dealing with huge a...

09/16/2021

Yesterday I shared this link for an Investment alternative that was safe, double digit returns, and tax free amongst other things.

https://youtu.be/sPygNuaYIJI

Here's today's math problem for you.

If you invest $1000 at 5% and a wealthy relative invests $10,000 with your money but keeps 4% for himself, how much do you make on your $1000 investment?

Put your answers in the comments section.

How to safely invest avoiding market crashes while gaining double digit returns, while keeping your money safe, guaranteed and liquid. This will also generat...

09/15/2021

If you only watch one video - watch this one.

https://youtu.be/sPygNuaYIJI

This 3 minute video will change how you look at Investing.

Find out how to invest safely and effectively.

07/28/2021

This is a real life situation. Can anyone offer a solution that accomplishes everything she wants to do? I have a solution but would like to hear from some others....

Situation:

A 51 year old divorced female in good health with two children ages 15 and 17.

She makes $55k per year and has a 401k with $350k in it currently. She also has about $60k in different investments that she uses as her safety net. If she needs money she can pull it out quickly but she feels the need to keep these so she can keep from touching her 401k.

With two kids getting ready to go to college and the child support about to run out she isn’t open to anything where she needs to pay monthly for it.

She has life insurance through work but it’s only for about $10k which isn’t enough to actually bury her. She has nothing to leave for her kids if something happens to her.

If she retires when she’s 62 her social security will be $1280/month. If she waits until she’s 67 she’ll get $1855/month.

Her Goals:

1) Retire at age 67 with 100% of her current income - $4600/month
2) Have something she can pass on to her children that will help them financially if she dies either before or after age 67.
3) Not have to count on using her 401k so she can’t out live her money.
4) To not have to work at Walmart or drive a bus when she’s retired to make ends meet.

These options are not available:

1) She won’t invest in anything with risk.(No bitcoin, or any other type of investment that has high risk - she wants safe)
2) No second job option - she’s busy enough as it is she doesn’t have the time.
3) There are no “marriage” prospects in the horizon. She’s not sure she would ever want to go down this path again.
4) She’s not computer literate - no online business options available.

Can you help her by checking every box?

07/16/2021

Many business owners and managers believe that benefits can be very costly to businesses and/or employees. They believe it's better to go without then with it.

What if there was a way to offer a benefit that the employee liked and wanted but neither the employee or the business paid for?

And what if that benefit actually drew an income for the business for years to come without selling anything, learning any new programs, or changing anything its currently doing?

Would you like to know more?

05/05/2021

Are you concerned about current market conditions?

I decided to look for an investment option that had these qualifications...

1) Keep my money safe from stock market and real estate crashes.

2) I still wanted substantial returns - double digits without risk.

3) I wanted an asset that produces an income and the income to be higher then any other financial asset.

4) I wanted to be able to access funds when or if needed. No age requirements or penalties.

5) I wanted checkbook access to this capital.

6) If something happened to me I wanted to leave a significant legacy for my spouse, my family, or my business, but still want to spend/enjoy life. I want it to be probate free and tax free.

7) I want the money to grow by compounding and take the income completely tax free.

Sounds like a tall order?

I just found the only investment that does this all.

Interested?