Blog – Page 2 – David Mersereau

Retirement Preparedness

November 3, 2020

The current state of our individual retirement preparedness as a whole is captured in this single fact: about half of the U.S. private sector workers at any given time are NOT enrolled in an employer-sponsored retirement plan. Some of them have participated in a plan in the past or plan on participating in the future. But the inconsistency of participating in their own financial future is the problem. Still, too many individuals are solely relying on their employer-sponsored plans to…

Are You Protecting Your Most Overlooked Assets?

October 9, 2020

David Mersereau

Business

As we continue to navigate these unprecedented times as a nation, as communities, as families, and as business owners, we are learning the sacrifices and toll that this all can have on business owners across all industries and geographical locations. Every business is facing their own unique challenges as they figure out how best to protect their people, their customers, and the public while providing the same level of professionalism and maintaining the reputation that they have worked so hard…

Stress Free Retirement

October 5, 2020

David Mersereau

Uncategorized

Patrick Kelly said, “If I could give you just one piece of advice for building long-term wealth – just one – it would be this: never take a loss.” How much stress could you avoid; how many chiropractor, acupuncture, and massage appointments could you have eliminated if there was an exclusive retirement vehicle that had the ability to guarantee an income stream for life – an income you could not outlive. What if that retirement vehicle could also provide upside…

Should you Convert to a Roth IRA

October 3, 2020

David Mersereau

Finance, Retirement

What we know: President Trump’s Tax Cuts and Jobs Act will expire in 2026. What we don’t know: what the tax brackets will look like for all earners. With tax hikes possibly on the horizon, there are some things you can do to hedge against losing your retirement income to taxes. Let’s recap a quick recap of 2020. It is estimated that the real level of our unfunded liabilities sits at $128 trillion – more than 500% worse than what…

F.I.R.E Up your Retirement

September 25, 2020

David Mersereau

Budget, Finance, Retirement

Let’s start with an understanding that retirement is not an age, it is a financial number. There is no rule that states you must work until you are 65 There is a new(ish) wave of people proving that it is possible to retire in their 30’s and 40’s with the financial freedom to repurpose their retirement into something greater. F.I.R.E is a moniker for Financial Independence, Retire Early and is a movement highlighting one’s ability to eliminate debt, save aggressively and…

College Funding Strategies

September 8, 2020

David Mersereau

Finance, Insurance

The cost of higher education is only going up – 296% for in-state public university tuition and fees to be exact, but that shouldn’t get you down. Saving for college doesn’t need to be a burden. The desire to assist your children with the future cost of their education is an honorable aspiration. Let’s talk about two of your options: the state-sponsored 529 plan and Indexed Universal Life insurance. Indexed Universal Life: No Administrative fees No hidden maintenance cost Completely…