How are you going to send your kids to the schools they have always dreamed of without destroying your retirement in the process?

The Free Market Portfolio TheoryTM is the synthesis of three academic principles: Efficient Market Hypothesis, Modern Portfolio Theory, and the Three-Factor Model. Together these concepts form a powerful, disciplined and diversified approach to investing. The result is globally diversified portfolios including over 12,000 stocks spread across more than forty countries, designed and engineered to capture market rates of return..

The fact that the federal government limits how much money one can put in a life insurance policy says what about it? It must be... good. More specifically, it must be good in relationship to one subject: taxes.

Warren Buffet said in the Wall Street Journal “my secretary pays more tax than I do”. Statistics show most people are not taking advantage of all optimization available and miss upwards of 20% on average. For high income earners, 20% can add up to a very large number.

Loyalty isn’t always enough in the business world. Offers come and offers go. Sometimes key people go with them.