Thought-Provoking Statistics

In the past three decades, SURVIVAL RATES for common CRITICAL ILLNESSES including HEART ATTACK, STROKE, and CANCER have increased to 90%, 72%, and 67%, respectively. And largely because of this increase in survival rates that leads to lengthier and more technologically advanced (thus, more expensive) treatments, MEDICAL BILLS are now responsible for MORE THAN 40% of PERSONAL BANKRUPTCIES in the United States today.

Does your family have $200,000+ saved for use in case of a surprise and tragic cancer diagnosis?

If you think a CRITICAL ILLNESS won’t come for you and thus does not require FINANCIAL PREPARATION, you may want to reconsider. The AVERAGE 40 YEAR OLD in America has a 1 IN 5 CHANCE of suffering a CRITICAL ILLNESS within the next 20 years, while the AVERAGE 50 YEAR OLD has a 1 IN 2.5 CHANCE of the same.

Would it be of value to your family to be adequately financially prepared for these tragedies in advance of their arrival?

LIFE INSURANCE versus SAVINGS: a FEW HUNDRED DOLLARS PER MONTH can buy $500,000 OR MORE in PERMANENT LIFE INSURANCE coverage, while $10,000 SAVED PER YEAR (that’s OVER $800 PER MONTH!) leaves you with $250,000 AFTER 25 YEARS HAVE PASSED. But most who choose to exclusively save money rather than also invest in life insurance fail to consider the ALARMING RAMIFICATIONS FOR THEIR FAMILY if they PASS BEFORE REACHING THEIR SAVINGS GOAL.

If you choose to exclusively save money rather than also invest in life insurance, what happens to your family if you pass away after only a year or two of saving? How long can your family maintain their current lifestyle without your income, if you’ve only left $10,000 or $20,000 for them when you pass?​

According to the NATIONAL COUNCIL ON AGING, more than 17 MILLION AMERICAN SENIORS aged 65 and older are LIVING AT OR BELOW 200% of the federal POVERTY level.

How would you feel at 80 years old if you could not afford to buy groceries or pay for electricity, and were no longer physically capable of working?

The MARGINAL TAX RATE in the United States is at its LOWEST POINT SINCE THE EARLY 1900s, while the US NATIONAL DEBT has just surpassed $33 TRILLION (as of October 2023).

Do you feel like you pay too much or too little in taxes today? Do you think taxes will go up or down in the future?

According to financial news outlet The Motley Fool, OVER 55% of AMERICANS SAVE FOR RETIREMENT in a 401K. To use a 401k, you SAVE PRE-TAX INCOME NOW in exchange for PAYING TAXES AT WHATEVER THE CURRENT TAX RATE HAPPENS TO BE when you WITHDRAW FUNDS IN RETIREMENT.

With US debt over $33 Trillion and marginal tax rates at their lowest point in US history, do you think your taxes will be higher or lower in retirement than they are right now?

In 2008, the AMERICAN S&P 500 stock market index of the 500 largest American companies LOST OVER 38% IN VALUE. This means that IF YOU HAD $100,000 INVESTED at the start of 2008, you would have LOST OVER $38,000 and been LEFT WITH JUST $62,000.

Can you afford these kinds of losses to your hard-earned savings as you prepare for retirement? More importantly, can you afford these kinds of losses once you’re in retirement?

If these questions have caused you to question your financial plan, do not fret. There are solutions to every one of the challenges highlighted above. Please click the Contact us link in the navigation menu to schedule your complimentary, personalized consultation and to learn more today.