Joy Goulet-Jones, CLTC

02/19/2020

Who is leading your team? Longevity is a risk. Do you have the right professional helping you mitigate that risk? The conversation HAS changed. A traditional Long Term Care Policy is NOT your best option anymore. Frankly, it hasn't been for quite awhile now. Be sure you're talking to an independent (Non-Captive Agent), me. (Licensed in 22 states) What can a non-captive agent offer you? A choice, not only what their Independent Marketing firm is ALLOWING them to sell. Boom! Verify credentials here: https://www.ltc-cltc.com/cltc/findCLTC

01/21/2020

Who understands that most people need to be relieved of their debt way more than they need a side-hustle? That’s not to say a Side-Hustle is bad. Quite the contrary. A Side hustle will allow one to itemize and take advantage of the tax code. As, long as we’re talking about that. Who also realizes that educating oneself about advantages in the tax code is a far better way to initially spend time and money learning about home based business than jumping from one side-hustle to the other?

Anyone who dialogues with me here on this post will receive a PM from me with the title of a book I recommend everyone read. I did not write it, but you can get it for free as a new member of Audible. (No I am not going to give you an affiliate link where I’ll make a penny or two either) Special bonus I’ll throw in: An informative five minute video by a leading USA CPA.

01/16/2020

In our modern society, retirement views we once held as tradition are far from reality. No two retirees are the same, so why should their plans be? With fixed-term annuities you can tailor your retirement plan to suit your specific needs. Give me a call and we can discuss why fixed term annuities are right for you!

Attending the weekly bingo or walking on distant beaches in white linen shirts. The traditional views of retirement are far from the modern reality. Today, no two retirements are the same.

01/15/2020

With everyone wondering whether the economy is really strong or not, is this the right time to make your retirement income plan? With the Fed lowering its key interest rate, should you hold off until the rates are raised? Don’t wait another day to work on your retirement plan, give me a call and let’s talk!

As you design your retirement income plan, you might think that the Fed's cut in interest rates will force you to switch gears. But remember: Whether it's dividends, interest or annuity payments, don't try to time the market.

12/26/2019

No two retirees are the same, so why should their plans be? With fixed-term annuities, you can tailor your retirement plan to suit your needs. Give me a call and let's discuss why fixed-term annuities are right for you! For more info, click the link in my bio and let’s talk

Attending the weekly bingo or walking on distant beaches in white linen shirts. The traditional views of retirement are far from the modern reality. Today, no two retirements are the same.

12/25/2019

Merry Christmas from us to you! We hope it's been a Merry Good Year!

12/24/2019

With the economy on a rollercoaster lately, is this the right time to make your retirement income plan? With the Fed lowering its key interest rate, should you wait until the rates are raised? For more info, click the link in my bio and let’s talk.

As you design your retirement income plan, you might think that the Fed's cut in interest rates will force you to switch gears. But remember: Whether it's dividends, interest or annuity payments, don't try to time the market.

12/12/2019

“The insurance company makes all the money and I don’t.”
“I don’t have access to my money.”
“There are too many hidden fees.”

Are these some of the questions and doubts you have about bringing annuities into your portfolio? This article answers those questions, and if there are more you have, give me a call or shoot me an email and let’s meet!

Over the years, annuities have been misunderstood. Read here to discover seven common misconceptions!

12/10/2019

Did you know if you’re not happy with an annuity you currently have, you don’t have to stay put? You can make a tax-free 1035 annuity exchange and trade in an entire annuity, or part of it, for a better annuity at a different insurance company. If that sounds like you, let’s get together to make a change in your portfolio!

1035 exchanges let you trade up for a better annuity or trade-in unneeded life insurance.

12/05/2019

When we’re talking about investments and cash flow, we’re not talking about the budgeting of your long-term plans. A budget is used to track expenses. Cash flow is really about strategically using money to not only live your life but to create more income sources for yourself. When you put your focus on cash flow, it solves a hundred other decisions.

The process is a lot like putting a puzzle together.

12/03/2019

Fixed Index Annuities are one of the more misunderstood annuity products. FIAs should be compared to insurance products, not investment security products like mutual funds. They allow clients to protect the principal of their investment in the insurance product while letting the annuity be credited with growth based on certain indexes like the S&P. Contact me today and let’s discuss how an FIA can help build your portfolio in the long-term.

Research has shown FIAs can outperform bonds, making them a solid bond alternative.