Please take the time to watch this short video on the Aid and Attendance Program then contact me for I am the Deputy Director for the State of Missouri for a review of your personal situation.Type your paragraph here.

Private Pension Plan is better than a 401K / IRA. With a 401K you are basically deferring paying today's low tax rates for whatever the future's tax rates are. I don't have a crystal ball, but if taxes are low now and we have health care and social security problems in the future, I would suspect they'd be on the rise.


By being an independent agent, we are not held captive by one company. Gives us the opportunity to compare insurance coverage and premiums with national recognize companies. Gives us the flexibilty to tailor solutions to your needs and your life. Help you evaluate the choices that is right for you. Many times are able to lower insurance cost and increase coverages. If you’re a homeowner, your house needs to be insured for a minimum of 80 percent of its value (not counting the value of the land). You must be proactive and review your current homeowner's coverage at least annually to make sure that your insurance is sufficient to rebuild or repair your home after a disaster. So, what do you need to look for during the annual review of your homeowner’s policy? The Insuring Your Home and Everything in It worksheet delves into the key components required to make sure that you’re fully and adequately covered.

The advantages in today’s economic environment:
Competitive Rate of Return     The cash value of insurance has no market correlation.
Eliminates Interest Rate Risk   When interest rates begin to rise, bond prices decrease. The cash value of a life insurance policy will not decline regardless of the movement in interest rates.
Tax Deferred Growth    The cash value grows tax deferred.

INFINITE BANKING The whole idea is to recapture the interest that one is paying to banks and finance companies for the major items that we need during a lifetime, such as automobiles, major appliances, education, homes, investment opportunities, business equipment, etc.
You finance everything you buy. You either pay interest to someone else or you give up the interest you could have earned otherwise.
The Idea is simply borrowing from yourself (instead of a bank, mortgage, credit card, etc...) and paying yourself back the interest and finance charges you would have paid the financial institution.



In this video, Kiplinger's Personal Finance reviews the importance of long term care insurance planning. Ready to shop the market? Contact us for side-by-side comparisons outlining the strengths and weaknesses of all major carriers.Type your paragraph here.

Choosing the best college to attend is hard, but paying for college is an entirely new test. Our tips, tools, and expert advice can help students navigate student loans, scholarships, grants, the FAFSA, and overall financial aid planning.  Opening a savings account in a child's name may seem like a great way to give Junior a head start on a lifetime of thrift. However, it can come back to haunt families, especially when college years roll around.  Unlike 529 plans, some life insurance policies use a tiered system when doling out returns. The more you invest, the better your return rate. To maximize earnings, purchase a policy with a low death benefit and to contribute the maximum allowance.        


INDEX ANNUITIES SAFER THAN THE MARKET The biggest advantages annuities offer is that they allow you to sock away a larger amount of cash and defer paying taxes.
Unlike other tax-deferred retirement accounts such as 401(k)s and IRAs, there is no annual contribution limit for an annuity. That allows you to put away more money for retirement, and is particularly useful for those that are closest to retirement age and need to catch up.
All the money you invest compounds year after year without any tax bill from Uncle Sam. That ability to keep every dollar invested working for you can be a big advantage over taxable investments.
When you cash out, you can choose to take a lump-sum payment from your annuity, but many retirees prefer to set up guaranteed payments for a specific length of time or the rest of your life, providing a steady stream of income.
The annuity serves as a complement to other retirement income sources, such as Social Security and pension plans

​Life Insurance as an Investment Class is an asset class that should be considered as a stable value investment. The primary purpose is for long-term, tax-deferred cash value appreciation and a tax-free death benefit and will provide both high cash value and death protection. The policy should be carefully designed, keeping the internal fees low in order to emphasize cash value growth.​


Medicare is our country’s health insurance program for people age 65 or older. Certain people younger than age 65 can qualify for Medicare, too, including those who have disabilities, permanent kidney failure or amyotrophic lateral sclerosis (Lou Gehrig’s disease). The program helps with the cost of health care, but it does not cover all medical expenses or the cost of most long-term care.
Medicare has four parts

  • Hospital insurance (Part A) helps pay for inpatient care in a hospital or skilled nursing facility (following a hospital stay), some home health care and hospice care.
  • Medical insurance (Part B) helps pay for doctors’ services and many other medical services and supplies that are not covered by hospital insurance.
  • Medicare Advantage (Part C) plans are available in many areas. People with Medicare Parts A and B can choose to receive all of their health care services through one of these provider organizations under Part C.
  • Prescription drug coverage (Part D) helps pay for medications doctors prescribe for treatment.

We discuss your current financial picture to build a financial plan just for you. To accomplish this we take a hard look at how you are using your current cash flows and look for ways to re-direct money you are already spending into assets instead. By understanding and evaluating your “Circle of Wealth” we can help educate families and give them a plan they can live with.

The Circle of Wealth is made up of 3 areas:
• Accumulated Money – This is money you have already saved or set aside. Most people feel the only way to get ahead is to look for investments with better return on investment. This often leads to taking higher or unnecessary risks with their investments.
• Lifestyle Money – This is money you spend to maintain your standard of living. Many people assume the only way they will ever save money is to cut back on this area. The problem is that this is unpleasant and often keeps people from even trying to save.
• Transferred Money – This is money that may be spending unnecessarily on taxes, interest and certain non-deductible debt. Finding alternatives for using this money is the key to making the Circle of Wealth work for you.