VUL

Radio Show #144: Roth Conversions, Charitable Giving

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Now that the holiday season is in full swing, charities are making their final year-end pitches to raise money. Charity Navigator, a non-profit organization that helps donors give intelligently, predicts that individual donors will give at least $100 billion to charities this holiday season. While the sentiment of giving is wonderful, it is important to be careful about how you give.

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We fielded some interesting portfolio questions this week. Chris from CT is co-managing (with his brother) his mother's $5 million portfolio and wants to be smart about choosing an advisor to help him out.

Mike wanted to know whether converting his $600K IRA makes sense and Maryanne wanted to know whether it makes sense to pay down her mortgage with her savings. Are municipal bonds safe? That's the question on Greg's mind, while Gary is trying to figure out a safe withdrawal rate and Betty wants to know how to invest $100K.

Brian and Aaron both had debt consolidation issues, while Dan wants to know whether or not to roll over an old retirement plan.

Thanks to everyone who participated and to Mark, the BEST producer in the world. If you have a financial question, there are lots of ways to contact us:

  • Call 855-411-JILL and we'll schedule time to get you on the show LIVE 

Radio Show #143: Thanksgiving Show

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Gobble, gobble! Hope you had a great Thanksgiving and are enjoying a relaxing weekend!

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Thanks to everyone who participated and to Mark, the BEST producer in the world. If you have a financial question, there are lots of ways to contact us:

  • Call 855-411-JILL and we'll schedule time to get you on the show LIVE 

Radio Show #142: Stock Market Records: Room to Run or Bear Trap?

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Dow 16,000, S&P 1800...are these new levels signs of more gains ahead or a giant bear trap? Luckily, our listeners know that round numbers are nice, but they have little to do with real financial matters.

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Nolan started the show with a question we often field: is it better to contribute to retirement or pay down debt? The answer depends on a number of variables, including the interest on the debt. In this case, it's tough to make the case for paying down cheap student loans.

At age 57, Bill is wondering whether or not he still needs life insurance. I suggested that he consult one of my favorite financial calculators, from the folks at lifehappens.

Michael purchased a variable life insurance policy 15 years ago and wants to know what to do with it now.

Does Eunice need long term care? She is a 69 year-old widow in good health, but wants to preserve her nest egg for her kids and grandkids.

We fielded Social Security questions from Ralph, Mark and Blanche. As a reminder, the Social Security web site is a treasure trove of valuable information.

Finally, Bill wondered whether he should use cash to purchase rental property.

Thanks to everyone who participated and to Mark, the BEST producer in the world. If you have a financial question, there are lots of ways to contact us:

  • Call 855-411-JILL and we'll schedule time to get you on the show LIVE