Brent D. Gardner, CLU, ChFC

Ponzi and pyramid schemes are defined as fraudulent investing scams that promise high returns with little risk to investors. In order for these types of schemes to work, an influx of new investors is needed for the funds to be available to pay the old investors.

Back in 2017, I started regularly leaving my office at West Texas A&M University in Canyon, Texas, to speak to high school students in the Texas Panhandle. This past fall, I did the same thing in the South Plains. These two areas are the northernmost 46 counties in the state of Texas.

Indexed Universal Life insurance can be used to provide a Tax Free Retirement, a policy with lifetime protection at a lower cost than whole life, or as an alternative to traditional Long Term Care insurance.