Legacy Insurance Agency - Life Insurance & Retirement Planning

09/04/2026

What about business loans? Do you have an emergency fund, a storehouse of capital, that you have access to?

In this condensed episode of Legacy Money, CPA Bryan Bloom, and I broke down exactly why relying only on traditional banking for lending can break a small business when you need access to cash.

Unfortunately, most entrepreneurs think they can count on loans and lines of credit to cover the natural ups and downs of cash flow, to buy inventory and make payroll. But history tells a completely different story.

When the market crashed in 2008, banks stopped lending.

When COVID forced closures, the companies that went under weren't always the weak ones, they were the ones dependent on bank liquidity that suddenly vanished.

The businesses that survived had stored up their own capital.

Watch this video to find out how to insulate your business from risk.

If you run a business, you can create your own private reserve that you can access when you need cash flow.

Contact us if you’d like to review your options.

09/02/2026

Life insurance is for real.

AI can quote an insurance policy in 11 seconds... It cannot sit with a grieving widow.

A recent study by Life Happens and LIMRA, found that among consumers who want a financial professional, 53% are looking for a personal, human connection.

If you want a human being to talk with about your finances and life insurance, this is not an automated product or feature, it's real life.

This is what we do.

We can use technology to become more efficient, but it can't buy back our time on earth. Spend the time you have with the ones you love, and let us help you protect your family.

It is Life Insurance Awareness Month, so it's a great time to review your life insurance, let us help.

Life insurance provides protection for your family and business while allowing you to meet your financial goals. Term life and whole life.

09/02/2026

Are you postponing paying taxes on your income? It could be a trap 🪤.

Looking at the history of income taxes, and current government spending, future taxes are uncertain.

There may be a better way, if you want to reduce your tax liability, and increase your retirement income.

09/01/2026

💼 PROFESSIONALS. DOCTORS. BUSINESS OWNERS...

You sacrificed 4 to 10 years of your life ⏳ on formal education, survived the working hours, and likely accumulated debt to get where you are and build a premium income.

But the moment you entered the financial system, it was rigged against you:
❌ Leaving your income and savings vulnerable to taxes
❌ Gambling on Wall Street with no guarantees
❌ Relying on banks for lending and credit

True wealth building isn't about chasing hype. It's about taking control of your finances.

My Challenge to You: Spend 30 minutes with me and let’s look at your plan.

My Guarantee: If you don’t feel our session was worth your time, I will personally donate to your favorite charity in your name. No catch, just clarity.

👇 Click the link in the comments below to secure your No-Cost Strategic Wealth Audit.

08/31/2026

For decades the 60/40 stocks and bonds split was the recommendation.

Now, an Ernst & Young (EY) study (“Holistic planning: Integrating insurance products for better outcomes in retirement”) has introduced a new portfolio model which challenges the traditional 60% equity and 40% bond mix. The 60/40 strategy relies on the premise that these two asset classes are non-correlated. However, as a Wall Street Journal headline pointed out in 2022 (“A Classic Strategy for Investors Falls Apart: Savings mix of 60% stocks and 40% bonds hasn’t helped offset losses this year”), this is not always the case.

The Ernst & Young model proposes an allocation of:
• 30% annuities
• 30% cash value life insurance
• 40% other investments
This model was developed after comparing several portfolio combinations, including investment-only options, and various combinations of life insurance and annuities alongside other investments and investments only.

Contact us to learn how this model can work for you.

08/21/2026

Every week we talk to families, that unfortunately, didn’t have a plan. It all starts at home, and it just takes a little time in the big picture.

Have you been putting off important decisions about your care, retirement and estate?

Let us help you plan for your financial future. If not for you, for your family.

You’ll feel better knowing you took the steps now.

08/11/2026

Think about this for a minute... Would you rather pay your income taxes now when you're working, or postpone them until you're retired and not earning an income?

It's a dilemna that most will face, but my experience is that very few people really have a balanced portfolio when it comes to taxes, they're heavily waited on the deferral side.

There's a lot of noise out there, but the IRS doesn’t let you defer taxes forever. Required Minimum Distributions (RMD)'s will force you to withdraw money from your retirement accounts, whether you need it or not, at some point. This forced income could push you into a higher tax bracket, make your Social Security income taxable, and even trigger IRMAA surcharges on your Medicare premiums.

It can be a tax trap, with what seems like no way out. Few people ever consider it, and then you're there facing a tax bill.

The good news is you can do something about it, if you start planning now, while you're still working. You may want to consider a private plan or a ROTH conversion, but you'll probably want some tax-free income. The time to make the changes is while you can.

You don't want to wait until your health declines or you're forced out of your job. You can stay in control and make wise decisions now, so you’re not forced into a position with few options later.

These aren't decisions you make all at once, planning takes time. It's worth the time to sit down and look at your options. You may find that you're transferring away money unknowingly, and even unnecessarily to taxes.

Tax laws change, it's better to be on the good side of them, and have a solid plan for your retirement and your estate. If you want to talk, reach out and schedule a review, we're here to help.

08/06/2026

Have you ever wondered what Infinite Banking looks like in real life? Not just hype?

Here are some of the ways our clients are using IBC:
+ Financing cars (and teaching kids how money works)
+ Startup capital for business and inventory
+ Building family projects like a swimming pool
+ Funding education and college expenses
+ Investing in real estate and markets
+ Financing equipment that makes profits
+ Increasing retirement income and reducing taxes

The key? You become your own banker, and take control of your finances. You control the capital, your cash-flow, the banking function, the financing, all on your terms.

We just published a blog that covers real life examples and stories and practical takeaways from over 20 years of helping families and business owners practice IBC.

The link to the blog is below 👇

08/05/2026

The markets are at all time highs again.

But, investor returns don’t always match market returns. Over the past five years, the S&P 500 returned 14.42%. However, the average equity fund investor earned 9.88% between 2021 and 2025.*�
The gap says a lot. Volatility can push people to react emotionally, especially near retirement, when that pressure can feel even sharper.

If you’re feeling anxious and want to lock in your gains, without risking your future, contact us to learn about your options.

08/03/2026

Recently I was talking with a local business owner who was laser focused on getting a higher return on his investments. When we actually looked at his portfolio, he wasn’t losing money on his investments, but he knew very little about the companies he was actually investing in.

And, when looked at the math of his own business, he was transferring away thousands, specifically with financing costs and unnecessary tax leaks.

With our consultative financial design, we don't try to chase volatile market returns. We focus on how to stop the bleeding first. If you can recover at least some of the money you're currently transferring away, you reduce your risks, and can win the game by default.

Fellow professionals and business owners, when was the last time you audited where your cash flow was leaking, rather than just how much your portfolio was making?