Financial Planning

What are your life goals?

How Estonia—Yes, Estonia—Became One of the Wealthiest Countries in Eastern Europe

The question of why some countries are rich and prosperous whereas others seem to be condemned to the scourge of poverty has been around for centuries. Many factors have been argued to be the determinants of prosperity: geographical, cultural, historical, etc. 

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Unlike Actual Insurance, Social Security "Insurance" Creates More Risk for the Future

Every time the Social Security trustees issue their annual report, some people notice that the system’s huge unfunded liabilities (currently, a $42.1 trillion cumulative shortfall) are inherently unfair to future Americans. That threatens its status as the “third rail” of politics, which electrocutes anyone who tries to touch it.

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Key Person Life Insurance

What is Key Person Life Insurance?

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Free College?

Do you want to earn a university degree without massive student loans?

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The Tax System, Explained in Beer!

Keeping it simple here.

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Business Life Insurance

What is Business Life Insurance?

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Indexed Universal Life Insurance

What is Indexed Universal Life Insurance? And should you consider it for your portfolio?

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Brent D. Gardner, CLU, ChFC

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