Today we reveal three tricks to dramatically increase retirement income, including the often overlooked benefits of reverse mortgages and annuities. Eliminate bills. It's awesome. - Charlie Jewett Tired of seeing people struggle to make ends meet in their golden years, we have dedicated ourselves to finding innovative ways to increase retirement income. Discover the power of annuities as an alternative to traditional stock market investments. After listening to this episode, you will be able to:   Boost your retirement resources by harnessing the benefits of annuities.   Explore the hidden value of reverse mortgages for a financially stable retirement.   Learn clever tactics to amplify annuity benefits, securing your financial future.   Unravel the riddles of "fake math" and demystify perplexing pension structures.   Forge a dependable and perpetual income channel through annuity expertise.   If you have any questions, we are more than happy to answer them. Just reach out to info@renovatingretirement.com, anytime! For more info, episodes, and notes, head on over to https://renovatingretirement.com Thanks for listening, and please subscribe to or follow the podcast wherever you get your podcasts from and be sure to share with your friends and family as well. Thanks again! About Charlie Jewett Charlie Jewett is an author, speaker, recruiter, trainer, consumer advocate and investment advisor from San Diego, CA. As the “Financial Services Whistleblower” Charlie has been trying to change the way that industry professionals and consumers think about retirement since 2005. With considerable years of experience and an array of professional certifications, Charlie focuses on stock market alternatives combined with tax-free retirement income and provides educational materials that help people to create their ideal retirement plan. He is the host of two podcasts, Renovating Retirement and Target Practice for Advisors, as well as the author of “Renovating Retirement” and “Two Ways to Be Debt Free”, both available on Amazon Kindle. About Bobby Alford Bobby Alford has walked an unconventional path to becoming the CEO of Renovating Retirement. He spent 10 years in the US Submarine force, both as an officer and enlisted person, earning a degree in nuclear engineering along the way. Bobby then joined corporate America and worked for a Fortune 50 company in operations, finance, and sales management roles. After getting his MBA, he began working with military veterans to improve their retirement options. At that point, he found Charlie Jewett and learned how to truly impact a person's financial life using the MERIT model of planning. Bobby joined Charlie and now uses his skills to grow their company toward achieving the goal of creating $1 billion dollars of annual tax-free money for their clients.

Today we reveal three tricks to dramatically increase retirement income, including the often overlooked benefits of reverse mortgages and annuities. Eliminate bills. It's awesome. - Charlie Jewett Tired of seeing people struggle to make ends meet in their golden years, we have dedicated ourselves to finding innovative ways to increase retirement income. Discover the power of annuities as an alternative to traditional stock market investments. After listening to this episode, you will be able to: <ul> <li> Boost your retirement resources by harnessing the benefits of annuities. </li> <li> Explore the hidden value of reverse mortgages for a financially stable retirement. </li> <li> Learn clever tactics to amplify annuity benefits, securing your financial future. </li> <li> Unravel the riddles of "fake math" and demystify perplexing pension structures. </li> <li> Forge a dependable and perpetual income channel through annuity expertise. </li> </ul> If you have any questions, we are more than happy to answer them. Just reach out to <a href="mailto:info@renovatingretirement.com">info@renovatingretirement.com</a>, anytime! For more info, episodes, and notes, head on over to <a href="https://renovatingretirement.com" rel="nofollow" target="_blank">https://renovatingretirement.com</a> Thanks for listening, and please subscribe to or follow the podcast wherever you get your podcasts from and be sure to share with your friends and family as well. Thanks again! About Charlie Jewett Charlie Jewett is an author, speaker, recruiter, trainer, consumer advocate and investment advisor from San Diego, CA. As the “Financial Services Whistleblower” Charlie has been trying to change the way that industry professionals and consumers think about retirement since 2005. With considerable years of experience and an array of professional certifications, Charlie focuses on stock market alternatives combined with tax-free retirement income and provides educational materials that help people to create their ideal retirement plan. He is the host of two podcasts, Renovating Retirement and Target Practice for Advisors, as well as the author of “Renovating Retirement” and “Two Ways to Be Debt Free”, both available on Amazon Kindle. About Bobby Alford Bobby Alford has walked an unconventional path to becoming the CEO of Renovating Retirement. He spent 10 years in the US Submarine force, both as an officer and enlisted person, earning a degree in nuclear engineering along the way. Bobby then joined corporate America and worked for a Fortune 50 company in operations, finance, and sales management roles. After getting his MBA, he began working with military veterans to improve their retirement options. At that point, he found Charlie Jewett and learned how to truly impact a person's financial life using the MERIT model of planning. Bobby joined Charlie and now uses his skills to grow their company toward achieving the goal of creating $1 billion dollars of annual tax-free money for their clients.

How to Use Annuities as a Stock Market Alternative Pt. 2

We are back with special guest April Brown to dispel the myths and show you the truth. Join us to learn how Annuities can provide a secure, low-risk retirement income strategy. In this episode, we uncover hidden truths about brokers' deceptive practices and how they impact your investments. We also expose the high fees charged by investment brokers and find ways to reduce these costs. You’ll discover annuities as a low-risk alternative for generating retirement income. You will also learn to effectively monitor brokers' performance and hold them accountable. And more!  This episode is a little longer than most, but it’s because we cover these important topics:   Consider annuities as an alternative to traditional stock market investments for maximizing your retirement savings.   Explore different ways to earn a specific rate of return, such as 8%, by examining various investment scenarios and their potential outcomes.   Understand the dangers of relying solely on an average rate of return and the potential impact of market volatility on your retirement savings.   Research fixed annuities or CDs that offer a consistent return on investment, reducing the impact of market fluctuations on your savings.   Consult with a financial advisor who specializes in maximizing retirement income and can provide guidance on using annuities as a stock market alternative.   Be aware of the marketing tactics used by some financial advisors that promote unrealistic expectations for retirement planning and returns on investment.   Educate yourself on the importance of understanding the real rate of return and how it can affect your overall retirement savings.   Utilize future value calculators to better understand the potential outcomes of various investment scenarios.   Seek professional advice on how to balance your investment portfolio, incorporating annuities as an alternative to more traditional stock market investments.   Continually evaluate and adjust your retirement planning strategies to ensure you are maximizing your income and minimizing potential risks.   If you have any questions, we are more than happy to answer them. Just reach out to info@renovatingretirement.com, anytime! For more info, episodes, and notes, head on over to https://renovatingretirement.com Thanks for listening, and please subscribe to or follow the podcast wherever you get your podcasts from and be sure to share with your friends and family as well. Thanks again! About Charlie Jewett Charlie Jewett is an author, speaker, recruiter, trainer, consumer advocate and investment advisor from San Diego, CA. As the “Financial Services Whistleblower” Charlie has been trying to change the way that industry professionals and consumers think about retirement since 2005. With considerable years of experience and an array of professional certifications, Charlie focuses on stock market alternatives combined with tax-free retirement income and provides educational materials that help people to create their ideal retirement plan. He is the host of two podcasts, Renovating Retirement and Target Practice for Advisors, as well as the author of “Renovating Retirement” and “Two Ways to Be Debt Free”, both available on Amazon Kindle. About Bobby Alford Bobby Alford has walked an unconventional path to becoming the CEO of Renovating Retirement. He spent 10 years in the US Submarine force, both as an officer and enlisted person, earning a degree in nuclear engineering along the way. Bobby then joined corporate America and worked for a Fortune 50 company in operations, finance, and sales management roles. After getting his MBA, he began working with military veterans to improve their retirement options. At that point he found Charlie Jewett and learned how to truly impact a person's financial life using the MERIT model of planning. Bobby joined Charlie and now uses his skills to grow their company toward achieving the goal of creating $1 billion dollars of annual tax-Free money for their clients.

We are back with special guest April Brown to dispel the myths and show you the truth. Join us to learn how Annuities can provide a secure, low-risk retirement income strategy. In this episode, we uncover hidden truths about brokers' deceptive practices and how they impact your investments. We also expose the high fees charged by investment brokers and find ways to reduce these costs. You’ll discover annuities as a low-risk alternative for generating retirement income. You will also learn to effectively monitor brokers' performance and hold them accountable. And more!  This episode is a little longer than most, but it’s because we cover these important topics: <ul> <li> Consider annuities as an alternative to traditional stock market investments for maximizing your retirement savings. </li> <li> Explore different ways to earn a specific rate of return, such as 8%, by examining various investment scenarios and their potential outcomes. </li> <li> Understand the dangers of relying solely on an average rate of return and the potential impact of market volatility on your retirement savings. </li> <li> Research fixed annuities or CDs that offer a consistent return on investment, reducing the impact of market fluctuations on your savings. </li> <li> Consult with a financial advisor who specializes in maximizing retirement income and can provide guidance on using annuities as a stock market alternative. </li> <li> Be aware of the marketing tactics used by some financial advisors that promote unrealistic expectations for retirement planning and returns on investment. </li> <li> Educate yourself on the importance of understanding the real rate of return and how it can affect your overall retirement savings. </li> <li> Utilize future value calculators to better understand the potential outcomes of various investment scenarios. </li> <li> Seek professional advice on how to balance your investment portfolio, incorporating annuities as an alternative to more traditional stock market investments. </li> <li> Continually evaluate and adjust your retirement planning strategies to ensure you are maximizing your income and minimizing potential risks. </li> </ul> If you have any questions, we are more than happy to answer them. Just reach out to <a href="mailto:info@renovatingretirement.com">info@renovatingretirement.com</a>, anytime! For more info, episodes, and notes, head on over to <a href="https://renovatingretirement.com" rel="nofollow" target="_blank">https://renovatingretirement.com</a> Thanks for listening, and please subscribe to or follow the podcast wherever you get your podcasts from and be sure to share with your friends and family as well. Thanks again! About Charlie Jewett Charlie Jewett is an author, speaker, recruiter, trainer, consumer advocate and investment advisor from San Diego, CA. As the “Financial Services Whistleblower” Charlie has been trying to change the way that industry professionals and consumers think about retirement since 2005. With considerable years of experience and an array of professional certifications, Charlie focuses on stock market alternatives combined with tax-free retirement income and provides educational materials that help people to create their ideal retirement plan. He is the host of two podcasts, Renovating Retirement and Target Practice for Advisors, as well as the author of “Renovating Retirement” and “Two Ways to Be Debt Free”, both available on Amazon Kindle. About Bobby Alford Bobby Alford has walked an unconventional path to becoming the CEO of Renovating Retirement. He spent 10 years in the US Submarine force, both as an officer and enlisted person, earning a degree in nuclear engineering along the way. Bobby then joined corporate America and worked for a Fortune 50 company in operations, finance, and sales management roles. After getting his MBA, he began working with military veterans to improve their retirement options. At that point he found Charlie Jewett and learned how to truly impact a person's financial life using the MERIT model of planning. Bobby joined Charlie and now uses his skills to grow their company toward achieving the goal of creating $1 billion dollars of annual tax-Free money for their clients.

How to Use Annuities as a Stock Market Alternative Pt. 1

We have a special guest joining us today, April Brown, a retired law enforcement professional. And we’re having a conversation about the tricks and strategies “Joker Brokers” use to steer you into a plan that doesn’t work for you but is really in their best interest. It’s mostly deception, and what bugs us is that they are not teaching, just telling. We like to teach and inform our clients so they understand how everything works, and they know where they are going. Charlie likes to use the analogy that these Joker Brokers are like taxi drivers who take your money, and then take you where they want you to go, you don’t have much of a choice in your destination! Listen in as we reveal some of the underlying issues of the strategies these brokers use, why they aren’t in your best interest, and what works better, much better. And, if you have any questions, we are more than happy to answer them. Just reach out to info@renovatingretirement.com, anytime! For more info, episodes, and notes, head on over to https://renovatingretirement.com Thanks for listening, and please subscribe to or follow the podcast wherever you get your podcasts from and be sure to share with your friends and family as well. Thanks again! About Charlie Jewett Charlie Jewett is an author, speaker, recruiter, trainer, consumer advocate and investment advisor from San Diego, CA. As the “Financial Services Whistleblower” Charlie has been trying to change the way that industry professionals and consumers think about retirement since 2005. With considerable years of experience and an array of professional certifications, Charlie focuses on stock market alternatives combined with tax-free retirement income and provides educational materials that help people to create their ideal retirement plan. He is the host of two podcasts, Renovating Retirement and Target Practice for Advisors, as well as the author of “Renovating Retirement” and “Two Ways to Be Debt Free”, both available on Amazon Kindle. About Bobby Alford Bobby Alford has walked an unconventional path to becoming the CEO of Renovating Retirement. He spent 10 years in the US Submarine force, both as an officer and enlisted person, earning a degree in nuclear engineering along the way. Bobby then joined corporate America and worked for a Fortune 50 company in operations, finance, and sales management roles. After getting his MBA, he began working with military veterans to improve their retirement options. At that point he found Charlie Jewett and learned how to truly impact a person's financial life using the MERIT model of planning. Bobby joined Charlie and now uses his skills to grow their company toward achieving the goal of creating $1 billion dollars of annual tax-Free money for their clients.

We have a special guest joining us today, April Brown, a retired law enforcement professional. And we’re having a conversation about the tricks and strategies “Joker Brokers” use to steer you into a plan that doesn’t work for you but is really in their best interest. It’s mostly deception, and what bugs us is that they are not teaching, just telling. We like to teach and inform our clients so they understand how everything works, and they know where they are going. Charlie likes to use the analogy that these Joker Brokers are like taxi drivers who take your money, and then take you where they want you to go, you don’t have much of a choice in your destination! Listen in as we reveal some of the underlying issues of the strategies these brokers use, why they aren’t in your best interest, and what works better, much better. And, if you have any questions, we are more than happy to answer them. Just reach out to <a href="mailto:info@renovatingretirement.com">info@renovatingretirement.com</a>, anytime! For more info, episodes, and notes, head on over to <a href="https://renovatingretirement.com" rel="nofollow" target="_blank">https://renovatingretirement.com</a> Thanks for listening, and please subscribe to or follow the podcast wherever you get your podcasts from and be sure to share with your friends and family as well. Thanks again! About Charlie Jewett Charlie Jewett is an author, speaker, recruiter, trainer, consumer advocate and investment advisor from San Diego, CA. As the “Financial Services Whistleblower” Charlie has been trying to change the way that industry professionals and consumers think about retirement since 2005. With considerable years of experience and an array of professional certifications, Charlie focuses on stock market alternatives combined with tax-free retirement income and provides educational materials that help people to create their ideal retirement plan. He is the host of two podcasts, Renovating Retirement and Target Practice for Advisors, as well as the author of “Renovating Retirement” and “Two Ways to Be Debt Free”, both available on Amazon Kindle. About Bobby Alford Bobby Alford has walked an unconventional path to becoming the CEO of Renovating Retirement. He spent 10 years in the US Submarine force, both as an officer and enlisted person, earning a degree in nuclear engineering along the way. Bobby then joined corporate America and worked for a Fortune 50 company in operations, finance, and sales management roles. After getting his MBA, he began working with military veterans to improve their retirement options. At that point he found Charlie Jewett and learned how to truly impact a person's financial life using the MERIT model of planning. Bobby joined Charlie and now uses his skills to grow their company toward achieving the goal of creating $1 billion dollars of annual tax-Free money for their clients.

Why Can’t We Arrest the Joker Brokers?

We find most people, our clients and prospects, in the stock market. It's the most popular common thing for people to do. How do you know you want to stay there or that that should be a part of your life unless you know how it actually works? How can you make any decisions if you can't see clearly? So, in today’s episode we’re going to help you remove some of the confusion of what it is about the stock market that people need, want and love so much. How is something so popular even though it slaps you around and beats you up and underperforms all the other tools? How does it keep such a grip on people? Right? So, listen in as we reveal some of the underlying issues of the stock market and what works better, much better. And, if you have any questions, we are more than happy to answer them. Just reach out to info@renovatingretirement.com, anytime! For more info, episodes, and notes, head on over to https://renovatingretirement.com Thanks for listening, and please subscribe to or follow the podcast wherever you get your podcasts from and be sure to share with your friends and family as well. Thanks again! About Charlie Jewett Charlie Jewett is an author, speaker, recruiter, trainer, consumer advocate and investment advisor from San Diego, CA. As the “Financial Services Whistleblower” Charlie has been trying to change the way that industry professionals and consumers think about retirement since 2005. With considerable years of experience and an array of professional certifications, Charlie focuses on stock market alternatives combined with tax-free retirement income and provides educational materials that help people to create their ideal retirement plan. He is the host of two podcasts, Renovating Retirement and Target Practice for Advisors, as well as the author of “Renovating Retirement” and “Two Ways to Be Debt Free”, both available on Amazon Kindle. About Bobby Alford Bobby Alford has walked an unconventional path to becoming the CEO of Renovating Retirement. He spent 10 years in the US Submarine force, both as an officer and enlisted person, earning a degree in nuclear engineering along the way. Bobby then joined corporate America and worked for a Fortune 50 company in operations, finance, and sales management roles. After getting his MBA, he began working with military veterans to improve their retirement options. At that point he found Charlie Jewett and learned how to truly impact a person's financial life using the MERIT model of planning. Bobby joined Charlie and now uses his skills to grow their company toward achieving the goal of creating $1 billion dollars of annual tax-Free money for their clients.

We find most people, our clients and prospects, in the stock market. It's the most popular common thing for people to do. How do you know you want to stay there or that that should be a part of your life unless you know how it actually works? How can you make any decisions if you can't see clearly? So, in today’s episode we’re going to help you remove some of the confusion of what it is about the stock market that people need, want and love so much. How is something so popular even though it slaps you around and beats you up and underperforms all the other tools? How does it keep such a grip on people? Right? So, listen in as we reveal some of the underlying issues of the stock market and what works better, much better. And, if you have any questions, we are more than happy to answer them. Just reach out to <a href="mailto:info@renovatingretirement.com">info@renovatingretirement.com</a>, anytime! For more info, episodes, and notes, head on over to <a href="https://renovatingretirement.com" rel="nofollow" target="_blank">https://renovatingretirement.com</a> Thanks for listening, and please subscribe to or follow the podcast wherever you get your podcasts from and be sure to share with your friends and family as well. Thanks again! About Charlie Jewett Charlie Jewett is an author, speaker, recruiter, trainer, consumer advocate and investment advisor from San Diego, CA. As the “Financial Services Whistleblower” Charlie has been trying to change the way that industry professionals and consumers think about retirement since 2005. With considerable years of experience and an array of professional certifications, Charlie focuses on stock market alternatives combined with tax-free retirement income and provides educational materials that help people to create their ideal retirement plan. He is the host of two podcasts, Renovating Retirement and Target Practice for Advisors, as well as the author of “Renovating Retirement” and “Two Ways to Be Debt Free”, both available on Amazon Kindle. About Bobby Alford Bobby Alford has walked an unconventional path to becoming the CEO of Renovating Retirement. He spent 10 years in the US Submarine force, both as an officer and enlisted person, earning a degree in nuclear engineering along the way. Bobby then joined corporate America and worked for a Fortune 50 company in operations, finance, and sales management roles. After getting his MBA, he began working with military veterans to improve their retirement options. At that point he found Charlie Jewett and learned how to truly impact a person's financial life using the MERIT model of planning. Bobby joined Charlie and now uses his skills to grow their company toward achieving the goal of creating $1 billion dollars of annual tax-Free money for their clients.

What Does the Stock Market REALLY Make?

Today, we’re here to chat about what you may have been experiencing for the last couple months in this market, which is where there are losses, there's steak. Watch out vegans, this is not a vegan episode. (Just kidding).  There are lots of laws in the universe, and there seems to be a law that when the market goes down, your joker broker advisor wants to play golf or wants to meet you. Their relationship becomes really important all of a sudden! Oh my goodness, wait, the market's down. I should reach out to the Jones’ and to the Smiths… Right? Because they got you with the risk with a side of fees as the answer to everything.  When the market's going up, there's no reason really to talk, right? Nope. You're happy. Anyway, we talk about it all the time, all the evidence proves that if you don't use the joker brokers, you'd make more money just buying the index. Listen to this episode as we give our advice and some tips on what to do when the steak shows up! And, if you have any questions, we are more than happy to answer them. Just reach out to info@renovatingretirement.com, anytime! For more info, episodes, and notes, head on over to https://renovatingretirement.com Thanks for listening, and please subscribe to or follow the podcast wherever you get your podcasts from, and be sure to share with your friends and family as well. Thanks again! About Charlie Jewett Charlie Jewett is an author, speaker, recruiter, trainer, consumer advocate and investment advisor from San Diego, CA. As the “Financial Services Whistleblower” Charlie has been trying to change the way that industry professionals and consumers think about retirement since 2005. With considerable years of experience and an array of professional certifications, Charlie focuses on stock market alternatives combined with tax-free retirement income and provides educational materials that help people to create their ideal retirement plan. He is the host of two podcasts, Renovating Retirement and Target Practice for Advisors, as well as the author of “Renovating Retirement” and “Two Ways to Be Debt Free”, both available on Amazon Kindle. About Bobby Alford Bobby Alford has walked an unconventional path to becoming the CEO of Renovating Retirement. He spent 10 years in the US Submarine force, both as an officer and enlisted person, earning a degree in nuclear engineering along the way. Bobby then joined corporate America and worked for a Fortune 50 company in operations, finance, and sales management roles. After getting his MBA, he began working with military veterans to improve their retirement options. At that point he found Charlie Jewett and learned how to truly impact a person's financial life using the MERIT model of planning. Bobby joined Charlie and now uses his skills to grow their company toward achieving the goal of creating $1 billion dollars of annual tax-Free money for their clients.

Today, we’re here to chat about what you may have been experiencing for the last couple months in this market, which is where there are losses, there's steak. Watch out vegans, this is not a vegan episode. (Just kidding).  There are lots of laws in the universe, and there seems to be a law that when the market goes down, your joker broker advisor wants to play golf or wants to meet you. Their relationship becomes really important all of a sudden! Oh my goodness, wait, the market's down. I should reach out to the Jones’ and to the Smiths… Right? Because they got you with the risk with a side of fees as the answer to everything.  When the market's going up, there's no reason really to talk, right? Nope. You're happy. Anyway, we talk about it all the time, all the evidence proves that if you don't use the joker brokers, you'd make more money just buying the index. Listen to this episode as we give our advice and some tips on what to do when the steak shows up! And, if you have any questions, we are more than happy to answer them. Just reach out to <a href="mailto:info@renovatingretirement.com">info@renovatingretirement.com</a>, anytime! For more info, episodes, and notes, head on over to <a href="https://renovatingretirement.com" rel="nofollow" target="_blank">https://renovatingretirement.com</a> Thanks for listening, and please subscribe to or follow the podcast wherever you get your podcasts from, and be sure to share with your friends and family as well. Thanks again! About Charlie Jewett Charlie Jewett is an author, speaker, recruiter, trainer, consumer advocate and investment advisor from San Diego, CA. As the “Financial Services Whistleblower” Charlie has been trying to change the way that industry professionals and consumers think about retirement since 2005. With considerable years of experience and an array of professional certifications, Charlie focuses on stock market alternatives combined with tax-free retirement income and provides educational materials that help people to create their ideal retirement plan. He is the host of two podcasts, Renovating Retirement and Target Practice for Advisors, as well as the author of “Renovating Retirement” and “Two Ways to Be Debt Free”, both available on Amazon Kindle. About Bobby Alford Bobby Alford has walked an unconventional path to becoming the CEO of Renovating Retirement. He spent 10 years in the US Submarine force, both as an officer and enlisted person, earning a degree in nuclear engineering along the way. Bobby then joined corporate America and worked for a Fortune 50 company in operations, finance, and sales management roles. After getting his MBA, he began working with military veterans to improve their retirement options. At that point he found Charlie Jewett and learned how to truly impact a person's financial life using the MERIT model of planning. Bobby joined Charlie and now uses his skills to grow their company toward achieving the goal of creating $1 billion dollars of annual tax-Free money for their clients.

Where There Are Losses, There Is Steak

We are back for the final installment in this series! We have been reviewing an article that came out ten years ago with a similar title to our podcast episode. And this is the fourth in a series where we are going to unpack each of these ten points, these ten reasons, and help you understand the difference between an Indexed Universal Life policy and a Whole Life policy. We want you to hear both sides, so you are well-informed and can make the best decisions for yourself and your family. If you haven’t watched the first three in this series, you can watch those before this one to get caught up! Today we are focusing on numbers three, two and one. #3 is “Guarantees are not calculated annually*”, #2 is “All of the above can be changed by the company” and #1 is “The risk is shifted back to the insured.” Listen as we explain what we think these mean and why they seem to be untruthful and inaccurate… and frankly, just don’t make much sense. We like to make these concepts simple and easy for you to understand. And if you have any questions, we have answers and reports we can share with you or your agent. Just reach out to bobby@renovatingretirement.com, and we’re happy to share! Here is the article we have been reviewing:  https://infinitebanking.org/the-top-10-reasons-not-to-buy-equity-indexed-universal-life/ For more info, episodes, and notes, head on over to https://renovatingretirement.com Thanks for listening, and please subscribe to or follow the podcast wherever you get your podcasts from, and be sure to share with your friends and family as well. Thanks again! About Charlie Jewett Charlie Jewett is an author, speaker, recruiter, trainer, consumer advocate and investment advisor from San Diego, CA. As the “Financial Services Whistleblower” Charlie has been trying to change the way that industry professionals and consumers think about retirement since 2005. With considerable years of experience and an array of professional certifications, Charlie focuses on stock market alternatives combined with tax-free retirement income and provides educational materials that help people to create their ideal retirement plan. He is the host of two podcasts, Renovating Retirement and Target Practice for Advisors, as well as the author of “Renovating Retirement” and “Two Ways to Be Debt Free”, both available on Amazon Kindle. About Bobby Alford Bobby Alford has walked an unconventional path to becoming the CEO of Renovating Retirement. He spent 10 years in the US Submarine force, both as an officer and enlisted person, earning a degree in nuclear engineering along the way. Bobby then joined corporate America and worked for a Fortune 50 company in operations, finance, and sales management roles. After getting his MBA, he began working with military veterans to improve their retirement options. At that point he found Charlie Jewett and learned how to truly impact a person's financial life using the MERIT model of planning. Bobby joined Charlie and now uses his skills to grow their company toward achieving the goal of creating $1 billion dollars of annual tax-Free money for their clients.

We are back for the final installment in this series! We have been reviewing an article that came out ten years ago with a similar title to our podcast episode. And this is the fourth in a series where we are going to unpack each of these ten points, these ten reasons, and help you understand the difference between an Indexed Universal Life policy and a Whole Life policy. We want you to hear both sides, so you are well-informed and can make the best decisions for yourself and your family. If you haven’t watched the first three in this series, you can watch those before this one to get caught up! Today we are focusing on numbers three, two and one. #3 is “Guarantees are not calculated annually*”, #2 is “All of the above can be changed by the company” and #1 is “The risk is shifted back to the insured.” Listen as we explain what we think these mean and why they seem to be untruthful and inaccurate… and frankly, just don’t make much sense. We like to make these concepts simple and easy for you to understand. And if you have any questions, we have answers and reports we can share with you or your agent. Just reach out to <a href="mailto:bobby@renovatingretirement.com">bobby@renovatingretirement.com</a>, and we’re happy to share! Here is the article we have been reviewing: <a href="https://infinitebanking.org/the-top-10-reasons-not-to-buy-equity-indexed-universal-life/" rel="nofollow" target="_blank"> https://infinitebanking.org/the-top-10-reasons-not-to-buy-equity-indexed-universal-life/</a> For more info, episodes, and notes, head on over to <a href="https://renovatingretirement.com" rel="nofollow" target="_blank">https://renovatingretirement.com</a> Thanks for listening, and please subscribe to or follow the podcast wherever you get your podcasts from, and be sure to share with your friends and family as well. Thanks again! About Charlie Jewett Charlie Jewett is an author, speaker, recruiter, trainer, consumer advocate and investment advisor from San Diego, CA. As the “Financial Services Whistleblower” Charlie has been trying to change the way that industry professionals and consumers think about retirement since 2005. With considerable years of experience and an array of professional certifications, Charlie focuses on stock market alternatives combined with tax-free retirement income and provides educational materials that help people to create their ideal retirement plan. He is the host of two podcasts, Renovating Retirement and Target Practice for Advisors, as well as the author of “Renovating Retirement” and “Two Ways to Be Debt Free”, both available on Amazon Kindle. About Bobby Alford Bobby Alford has walked an unconventional path to becoming the CEO of Renovating Retirement. He spent 10 years in the US Submarine force, both as an officer and enlisted person, earning a degree in nuclear engineering along the way. Bobby then joined corporate America and worked for a Fortune 50 company in operations, finance, and sales management roles. After getting his MBA, he began working with military veterans to improve their retirement options. At that point he found Charlie Jewett and learned how to truly impact a person's financial life using the MERIT model of planning. Bobby joined Charlie and now uses his skills to grow their company toward achieving the goal of creating $1 billion dollars of annual tax-Free money for their clients.

10 Reasons Not to Buy an Indexed Universal Life Policy - Part 4

We are back to continue our review of an article that came out ten years ago with a similar title to our podcast episode. And this is the third in a series where we are going to unpack each of these ten points, these ten reasons, and help you understand the difference between an Indexed Universal Life policy and a Whole Life policy. We want you to hear both sides, so you are well-informed and can make the best decisions for yourself and your family. If you haven’t watched the first two in this series, you can watch those before this one to get caught up! Today we are focusing on numbers six, five and four. #6 is “Dividends from the index don’t get credited*”, #5 is “Participation ratios are often less than 100%*” and #4 is “Returns are usually capped at various interest rates*.” Listen as we explain what we think these mean and why they seem to be untruthful and inaccurate. We like to make these concepts simple and easy for you to understand. And if you have any questions, we have answers and reports we can share with you or your agent. Just reach out to bobby@renovatingretirement.com, and we’re happy to share! For more info, episodes, and notes, head on over to https://renovatingretirement.com Thanks for listening, and please subscribe to or follow the podcast wherever you get your podcasts from, and be sure to share with your friends and family as well. Thanks again! About Charlie Jewett Charlie Jewett is an author, speaker, recruiter, trainer, consumer advocate and investment advisor from San Diego, CA. As the “Financial Services Whistleblower” Charlie has been trying to change the way that industry professionals and consumers think about retirement since 2005. With considerable years of experience and an array of professional certifications, Charlie focuses on stock market alternatives combined with tax-free retirement income and provides educational materials that help people to create their ideal retirement plan. He is the host of two podcasts, Renovating Retirement and Target Practice for Advisors, as well as the author of “Renovating Retirement” and “Two Ways to Be Debt Free”, both available on Amazon Kindle. About Bobby Alford Bobby Alford has walked an unconventional path to becoming the CEO of Renovating Retirement. He spent 10 years in the US Submarine force, both as an officer and enlisted person, earning a degree in nuclear engineering along the way. Bobby then joined corporate America and worked for a Fortune 50 company in operations, finance, and sales management roles. After getting his MBA, he began working with military veterans to improve their retirement options. At that point he found Charlie Jewett and learned how to truly impact a person's financial life using the MERIT model of planning. Bobby joined Charlie and now uses his skills to grow their company toward achieving the goal of creating $1 billion dollars of annual tax-Free money for their clients.

We are back to continue our review of an article that came out ten years ago with a similar title to our podcast episode. And this is the third in a series where we are going to unpack each of these ten points, these ten reasons, and help you understand the difference between an Indexed Universal Life policy and a Whole Life policy. We want you to hear both sides, so you are well-informed and can make the best decisions for yourself and your family. If you haven’t watched the first two in this series, you can watch those before this one to get caught up! Today we are focusing on numbers six, five and four. #6 is “Dividends from the index don’t get credited*”, #5 is “Participation ratios are often less than 100%*” and #4 is “Returns are usually capped at various interest rates*.” Listen as we explain what we think these mean and why they seem to be untruthful and inaccurate. We like to make these concepts simple and easy for you to understand. And if you have any questions, we have answers and reports we can share with you or your agent. Just reach out to <a href="mailto:bobby@renovatingretirement.com">bobby@renovatingretirement.com</a>, and we’re happy to share! For more info, episodes, and notes, head on over to <a href="https://renovatingretirement.com" rel="nofollow" target="_blank">https://renovatingretirement.com</a> Thanks for listening, and please subscribe to or follow the podcast wherever you get your podcasts from, and be sure to share with your friends and family as well. Thanks again! About Charlie Jewett Charlie Jewett is an author, speaker, recruiter, trainer, consumer advocate and investment advisor from San Diego, CA. As the “Financial Services Whistleblower” Charlie has been trying to change the way that industry professionals and consumers think about retirement since 2005. With considerable years of experience and an array of professional certifications, Charlie focuses on stock market alternatives combined with tax-free retirement income and provides educational materials that help people to create their ideal retirement plan. He is the host of two podcasts, Renovating Retirement and Target Practice for Advisors, as well as the author of “Renovating Retirement” and “Two Ways to Be Debt Free”, both available on Amazon Kindle. About Bobby Alford Bobby Alford has walked an unconventional path to becoming the CEO of Renovating Retirement. He spent 10 years in the US Submarine force, both as an officer and enlisted person, earning a degree in nuclear engineering along the way. Bobby then joined corporate America and worked for a Fortune 50 company in operations, finance, and sales management roles. After getting his MBA, he began working with military veterans to improve their retirement options. At that point he found Charlie Jewett and learned how to truly impact a person's financial life using the MERIT model of planning. Bobby joined Charlie and now uses his skills to grow their company toward achieving the goal of creating $1 billion dollars of annual tax-Free money for their clients.

10 Reasons Not to Buy an Indexed Universal Life Policy - Part 3

Ten years ago, an article came out with a similar title to our podcast episode. And this is the second in a series where we are going to unpack each of these ten points, these ten reasons, and help you understand the difference between an Indexed Universal Life policy and a Whole Life policy. We want you to hear both sides, so you are well-informed and can make the best decisions for yourself and your family. Today we are focusing on number eight and number seven, we’ve been counting them down. #8 is “Market drops cause double pain” and #7 is “Late premiums kill any guarantees.” Listen as we explain what we think these mean and why they seem to be untruthful and inaccurate. We like to make these concepts simple and easy for you to understand. And if you have any questions, we have answers and reports we can share with you or your agent. Just reach out to bobby@renovatingretirement.com, and we’re happy to share! For more info, episodes, and notes, head on over to https://renovatingretirement.com Thanks for listening, and please subscribe to or follow the podcast wherever you get your podcasts from and be sure to share with your friends and family as well. Thanks again! About Charlie Jewett Charlie Jewett is an author, speaker, recruiter, trainer, consumer advocate and investment advisor from San Diego, CA. As the “Financial Services Whistleblower” Charlie has been trying to change the way that industry professionals and consumers think about retirement since 2005. With considerable years of experience and an array of professional certifications, Charlie focuses on stock market alternatives combined with tax-free retirement income and provides educational materials that help people to create their ideal retirement plan. He is the host of two podcasts, Renovating Retirement and Target Practice for Advisors, as well as the author of “Renovating Retirement” and “Two Ways to Be Debt Free”, both available on Amazon Kindle. About Bobby Alford Bobby Alford has walked an unconventional path to becoming the CEO of Renovating Retirement. He spent 10 years in the US Submarine force, both as an officer and enlisted person, earning a degree in nuclear engineering along the way. Bobby then joined corporate America and worked for a Fortune 50 company in operations, finance, and sales management roles. After getting his MBA, he began working with military veterans to improve their retirement options. At that point he found Charlie Jewett and learned how to truly impact a person's financial life using the MERIT model of planning. Bobby joined Charlie and now uses his skills to grow their company toward achieving the goal of creating $1 billion dollars of annual tax-Free money for their clients.

Ten years ago, an article came out with a similar title to our podcast episode. And this is the second in a series where we are going to unpack each of these ten points, these ten reasons, and help you understand the difference between an Indexed Universal Life policy and a Whole Life policy. We want you to hear both sides, so you are well-informed and can make the best decisions for yourself and your family. Today we are focusing on number eight and number seven, we’ve been counting them down. #8 is “Market drops cause double pain” and #7 is “Late premiums kill any guarantees.” Listen as we explain what we think these mean and why they seem to be untruthful and inaccurate. We like to make these concepts simple and easy for you to understand. And if you have any questions, we have answers and reports we can share with you or your agent. Just reach out to <a href="mailto:bobby@renovatingretirement.com">bobby@renovatingretirement.com</a>, and we’re happy to share! For more info, episodes, and notes, head on over to <a href="https://renovatingretirement.com" rel="nofollow" target="_blank">https://renovatingretirement.com</a> Thanks for listening, and please subscribe to or follow the podcast wherever you get your podcasts from and be sure to share with your friends and family as well. Thanks again! About Charlie Jewett Charlie Jewett is an author, speaker, recruiter, trainer, consumer advocate and investment advisor from San Diego, CA. As the “Financial Services Whistleblower” Charlie has been trying to change the way that industry professionals and consumers think about retirement since 2005. With considerable years of experience and an array of professional certifications, Charlie focuses on stock market alternatives combined with tax-free retirement income and provides educational materials that help people to create their ideal retirement plan. He is the host of two podcasts, Renovating Retirement and Target Practice for Advisors, as well as the author of “Renovating Retirement” and “Two Ways to Be Debt Free”, both available on Amazon Kindle. About Bobby Alford Bobby Alford has walked an unconventional path to becoming the CEO of Renovating Retirement. He spent 10 years in the US Submarine force, both as an officer and enlisted person, earning a degree in nuclear engineering along the way. Bobby then joined corporate America and worked for a Fortune 50 company in operations, finance, and sales management roles. After getting his MBA, he began working with military veterans to improve their retirement options. At that point he found Charlie Jewett and learned how to truly impact a person's financial life using the MERIT model of planning. Bobby joined Charlie and now uses his skills to grow their company toward achieving the goal of creating $1 billion dollars of annual tax-Free money for their clients.

10 Reasons Not to Buy an Indexed Universal Life Policy - Part 2

Ten years ago, an article came out with a similar title to our podcast episode. And this is the first in a series where we are going to unpack each of these ten points, these ten reasons, and help you understand the difference between an Indexed Universal Life policy and a Whole Life policy. We want you to hear both sides, so you are well-informed and can make the best decisions for yourself and your family. Today we are focusing on number ten and number nine, counting it down. #10 is “Internal costs are not guaranteed” and #9 is “Mortality charges are not guaranteed.” Listen as we explain what is meant by these “guarantees.” We like to make these concepts simple and easy for you to understand. And if you have any questions, we have answers and reports we can share with you or your agent. Just reach out to bobby@renovatingretirement.com, and we’re happy to share! For more info, episodes, and notes, head on over to https://renovatingretirement.com Thanks for listening, and please subscribe to or follow the podcast wherever you get your podcasts from. And be sure to share with your friends and family as well. Thanks again! About Charlie Jewett Charlie Jewett is an author, speaker, recruiter, trainer, consumer advocate and investment advisor from San Diego, CA. As the “Financial Services Whistleblower” Charlie has been trying to change the way that industry professionals and consumers think about retirement since 2005. With considerable years of experience and an array of professional certifications, Charlie focuses on stock market alternatives combined with tax-free retirement income and provides educational materials that help people to create their ideal retirement plan. He is the host of two podcasts, Renovating Retirement  and Target Practice for Advisors, as well as the author of “Renovating Retirement” and “Two Ways to Be Debt Free”, both available on Amazon Kindle. About Bobby Alford Bobby Alford has walked an unconventional path to becoming the CEO of Renovating Retirement. He spent 10 years in the US Submarine force, both as an officer and enlisted person, earning a degree in nuclear engineering along the way. Bobby then joined corporate America and worked for a Fortune 50 company in operations, finance, and sales management roles. After getting his MBA, he began working with military veterans to improve their retirement options. At that point he found Charlie Jewett and learned how to truly impact a person's financial life using the MERIT model of planning. Bobby joined Charlie and now uses his skills to grow their company toward achieving the goal of creating $1 billion dollars of annual tax-Free money for their clients.

Ten years ago, an article came out with a similar title to our podcast episode. And this is the first in a series where we are going to unpack each of these ten points, these ten reasons, and help you understand the difference between an Indexed Universal Life policy and a Whole Life policy. We want you to hear both sides, so you are well-informed and can make the best decisions for yourself and your family. Today we are focusing on number ten and number nine, counting it down. #10 is “Internal costs are not guaranteed” and #9 is “Mortality charges are not guaranteed.” Listen as we explain what is meant by these “guarantees.” We like to make these concepts simple and easy for you to understand. And if you have any questions, we have answers and reports we can share with you or your agent. Just reach out to <a href="mailto:bobby@renovatingretirement.com">bobby@renovatingretirement.com</a>, and we’re happy to share! For more info, episodes, and notes, head on over to <a href="https://renovatingretirement.com" rel="nofollow" target="_blank">https://renovatingretirement.com</a> Thanks for listening, and please subscribe to or follow the podcast wherever you get your podcasts from. And be sure to share with your friends and family as well. Thanks again! About Charlie Jewett Charlie Jewett is an author, speaker, recruiter, trainer, consumer advocate and investment advisor from San Diego, CA. As the “Financial Services Whistleblower” Charlie has been trying to change the way that industry professionals and consumers think about retirement since 2005. With considerable years of experience and an array of professional certifications, Charlie focuses on stock market alternatives combined with tax-free retirement income and provides educational materials that help people to create their ideal retirement plan. He is the host of two podcasts, Renovating Retirement  and Target Practice for Advisors, as well as the author of “Renovating Retirement” and “Two Ways to Be Debt Free”, both available on Amazon Kindle. About Bobby Alford Bobby Alford has walked an unconventional path to becoming the CEO of Renovating Retirement. He spent 10 years in the US Submarine force, both as an officer and enlisted person, earning a degree in nuclear engineering along the way. Bobby then joined corporate America and worked for a Fortune 50 company in operations, finance, and sales management roles. After getting his MBA, he began working with military veterans to improve their retirement options. At that point he found Charlie Jewett and learned how to truly impact a person's financial life using the MERIT model of planning. Bobby joined Charlie and now uses his skills to grow their company toward achieving the goal of creating $1 billion dollars of annual tax-Free money for their clients.

10 Reasons Not to Buy an Indexed Universal Life Policy - Part 1

For the second episode of the series Cash Flow &amp; Investment Strategies for Real Estate Investors, Charlie Jewett and Bobby Alford dive deeper into equity, the most misunderstood asset class in the financial industry. Home equity As discussed, home ownership is the biggest asset in people’s lives. If that home ownership develops into an asset class, then that becomes the most held asset, and that asset is equity. Home equity or equity in real estate is defined as the difference between the value of the house and what you owe. How do you put this home equity to work for you? Two ways to be debt-free: Traditional vs balance sheet method  Traditional method says be liability-free and that you should pay off your mortgage as fast as you can because mortgages are bad. These strategies come from only looking at one half of the equation and not the other half that is looking into the opportunity cost of the money – every dollar you choose to put into that home to save that cost over 30 years is a dollar that cannot compound interest over the same 30 years. This model stemmed from the Great Depression when many people were kicked out of their houses even though they had made each and every mortgage payment. But the landscape of the mortgage industry had changed since then and debt did not become evil but instead a way to leverage yourself into wealth.  The other way to be debt-free on anything is to have a liability and to have all the money to pay it off when you want to. In the balance sheet method, debt that you can afford to pay off is good. Instead of paying a big down payment, why not invest the money in your account where it compounds interest. In short, build up your assets, not pay down your debt because debt is good. The balance sheet method says if you're allowed, owe as much as you can and put it in an equity savings account, earning more than what it is costing you.  Leveraging your home value In an equity savings account, leveraging your home value - your largest asset – and putting it to work for you becomes a game changer in retirement and wealth creation. With proper equity management or proper use of real estate, you could have four increasing incomes for one fixed payment where you're paying the fixed payment with depreciating dollars. Plus, the IRS is incentivizing you to do these things, and they will reward you in tax savings, mortgage interest write-offs and depreciation, recouping the value of assets over time from your taxes. The main risk in paying your house in full is that the money you used is not earning compound interest. It's in the walls of the house and not invested anywhere and you only earn interest based on the appreciation of the value of your home. Meanwhile, the lowest you pay a property down to, you permanently lower the tax-deductible mortgage you are allowed to have on that house  Ultimately, you either end up with all the money in the house or end up with a whole bunch of money in an account earning interest and saving. You could pay off your mortgage but you chose not to, so where do you want to end up? Where should your equity dollar be? About Charlie Jewett Charlie Jewett is an author, speaker, recruiter, trainer, consumer advocate and investment advisor from San Diego, CA. As the “Financial Services Whistleblower” Charlie has been trying to change the way that industry professionals and consumers think about retirement since 2005. With considerable years of experience and an array of professional certifications, Charlie focuses on stock market alternatives combined with tax-free retirement income and provides educational materials that help people to create their ideal retirement plan. He is the host of two podcasts, Renovating Retirement  and Target Practice for Advisors, as well as the author of “Renovating Retirement” and “Two Ways to Be Debt Free”, both available on Amazon Kindle. About Bobby Alford Bobby Alford has walked an unconventional path to becoming the CEO of Renovating Retirement. He spent 10 years in the US Submarine force, both as an officer and enlisted person, earning a degree in nuclear engineering along the way. Bobby then joined corporate America and worked for a Fortune 50 company in operations, finance, and sales management roles. After getting his MBA, he began working with military veterans to improve their retirement options. At that point he found Charlie Jewett and learned how to truly impact a person's financial life using the MERIT model of planning. Bobby joined Charlie and now uses his skills to grow their company toward achieving the goal of creating $1 billion dollars of annual tax-Free money for their clients. Web/Social Links Website: https://renovatingretirement.com

For the second episode of the series Cash Flow &amp; Investment Strategies for Real Estate Investors, Charlie Jewett and Bobby Alford dive deeper into equity, the most misunderstood asset class in the financial industry. Home equity As discussed, home ownership is the biggest asset in people’s lives. If that home ownership develops into an asset class, then that becomes the most held asset, and that asset is equity. Home equity or equity in real estate is defined as the difference between the value of the house and what you owe. How do you put this home equity to work for you? Two ways to be debt-free: Traditional vs balance sheet method <ol> <li>Traditional method says be liability-free and that you should pay off your mortgage as fast as you can because mortgages are bad. These strategies come from only looking at one half of the equation and not the other half that is looking into the opportunity cost of the money – every dollar you choose to put into that home to save that cost over 30 years is a dollar that cannot compound interest over the same 30 years. This model stemmed from the Great Depression when many people were kicked out of their houses even though they had made each and every mortgage payment. But the landscape of the mortgage industry had changed since then and debt did not become evil but instead a way to leverage yourself into wealth. </li> <li>The other way to be debt-free on anything is to have a liability and to have all the money to pay it off when you want to. In the balance sheet method, debt that you can afford to pay off is good. Instead of paying a big down payment, why not invest the money in your account where it compounds interest. In short, build up your assets, not pay down your debt because debt is good. The balance sheet method says if you're allowed, owe as much as you can and put it in an equity savings account, earning more than what it is costing you.</li> </ol> Leveraging your home value In an equity savings account, leveraging your home value - your largest asset – and putting it to work for you becomes a game changer in retirement and wealth creation. With proper equity management or proper use of real estate, you could have four increasing incomes for one fixed payment where you're paying the fixed payment with depreciating dollars. Plus, the IRS is incentivizing you to do these things, and they will reward you in tax savings, mortgage interest write-offs and depreciation, recouping the value of assets over time from your taxes. The main risk in paying your house in full is that the money you used is not earning compound interest. It's in the walls of the house and not invested anywhere and you only earn interest based on the appreciation of the value of your home. Meanwhile, the lowest you pay a property down to, you permanently lower the tax-deductible mortgage you are allowed to have on that house  Ultimately, you either end up with all the money in the house or end up with a whole bunch of money in an account earning interest and saving. You could pay off your mortgage but you chose not to, so where do you want to end up? Where should your equity dollar be? About Charlie Jewett Charlie Jewett is an author, speaker, recruiter, trainer, consumer advocate and investment advisor from San Diego, CA. As the “Financial Services Whistleblower” Charlie has been trying to change the way that industry professionals and consumers think about retirement since 2005. With considerable years of experience and an array of professional certifications, Charlie focuses on stock market alternatives combined with tax-free retirement income and provides educational materials that help people to create their ideal retirement plan. He is the host of two podcasts, Renovating Retirement  and Target Practice for Advisors, as well as the author of “Renovating Retirement” and “Two Ways to Be Debt Free”, both available on Amazon Kindle. About Bobby Alford Bobby Alford has walked an unconventional path to becoming the CEO of Renovating Retirement. He spent 10 years in the US Submarine force, both as an officer and enlisted person, earning a degree in nuclear engineering along the way. Bobby then joined corporate America and worked for a Fortune 50 company in operations, finance, and sales management roles. After getting his MBA, he began working with military veterans to improve their retirement options. At that point he found Charlie Jewett and learned how to truly impact a person's financial life using the MERIT model of planning. Bobby joined Charlie and now uses his skills to grow their company toward achieving the goal of creating $1 billion dollars of annual tax-Free money for their clients. Web/Social Links Website: <a href="https://renovatingretirement.com" rel="nofollow" target="_blank">https://renovatingretirement.com</a>

Cash Flow & Investment Strategies for Real Estate - Pt 2 Equity

Charlie Jewett, the Financial Services Whistle-Blower, confronts the Retirement Planning industry and reveals all of the tricks, lies and scams the Stock Brokers, Insurance Agents and Financial Advisors use to steal money from consumers.  In addition Charlie will teach you EVERYTHING you need to know to make your own financial and retirement decisions and live the retirement of your dreams.  Surprising, Irreverent, Eye-Opening, Super Helpful and a whole lot of fun!

Starting to prepare my retirement plan! Very sound wise advice! Thank you!

Very wise advisor! Enjoy your podcasts

Watch out Dave Ramsey. Join the movement and let&#39;s solve world hunger once and for all.

Mind. Blown.

Renovating Retirement With Charlie Jewett

Whole Life Insurance is one of the most popular and well advertised financial products on the planet and has been for a long time. Does it have a place in your financial plan? In my opinion...no. Now, I don't hate any tools, they're just tools: they do some things well and other things poorly. After fourteen years of research I can't find anything Whole Life does better than other tools so I devoted this podcast to sharing my findings with you. Enjoy. Please Rate and Review The Show HERE

Whole Life Insurance is one of the most popular and well advertised financial products on the planet and has been for a long time. Does it have a place in your financial plan? In my opinion...no. Now, I don't hate any tools, they're just tools: they do some things well and other things poorly. After fourteen years of research I can't find anything Whole Life does better than other tools so I devoted this podcast to sharing my findings with you. Enjoy. <a href="http://getpodcast.reviews/id/1109615656" rel="nofollow" target="_blank">Please Rate and Review The Show HERE</a>

Why I Never Use Whole Life Insurance

What are ten sure fire ways to improve your retirement? I'm glad you asked. That's exactly what I'll cover in this episode...ten things you can do to set up your financial and retirement plan for maximum results and maximum enjoyment. Please Rate and Review The Show HERE:

What are ten sure fire ways to improve your retirement? I'm glad you asked. That's exactly what I'll cover in this episode...ten things you can do to set up your financial and retirement plan for maximum results and maximum enjoyment. <a href="http://getpodcast.reviews/id/1109615656" rel="nofollow" target="_blank">Please Rate and Review The Show HERE:</a>

The Top Ten Best Retirement Planning Decisions

Taxes will most likely go up according to historical tax rates. With the fact that Social Security and Medicare are underfunded, and the fact that David Walker says they will. In this episode, I explain how to divorce the IRS and use the Rich Man's Roth IRA to create tax-free retirement distributions no matter how much income you make and there's no limit on what you can put into it. Please Rate and Review The Show HERE

Taxes will most likely go up according to historical tax rates. With the fact that Social Security and Medicare are underfunded, and the fact that David Walker says they will. In this episode, I explain how to divorce the IRS and use the Rich Man's Roth IRA to create tax-free retirement distributions no matter how much income you make and there's no limit on what you can put into it. <a href="http://getpodcast.reviews/id/1109615656" rel="nofollow" target="_blank">Please Rate and Review The Show HERE</a>

The Rich Man's Roth IRA-With No Contribution Limits

Nate Miller

Nate Miller is one of my favorite advisors in the country.  Nate asked me to be on his podcast and I thought you'd all enjoy our conversation.    Please Rate and Review The Show HERE 

Nate Miller is one of my favorite advisors in the country.  Nate asked me to be on his podcast and I thought you'd all enjoy our conversation.    <a href="http://getpodcast.reviews/id/1109615656" rel="nofollow" target="_blank">Please Rate and Review The Show HERE</a>

Nate Miller Interviewing Me After The Market Crash

Owning cash value life insurance can be the worst thing or best thing you've ever decided to do. It all depends on whether you know the six ways to improve your cash value life insurance product. A perfect, well-built, retirement plan will probably have some cash value life insurance to cover a Long Life, Short Life, Rough Life, Sick Life, and into The Next Life. Life insurance, built the right way, covers all of them. Listen and learn how to build it properly. Please Rate and Review the Show HERE: 

Owning cash value life insurance can be the worst thing or best thing you've ever decided to do. It all depends on whether you know the six ways to improve your cash value life insurance product. A perfect, well-built, retirement plan will probably have some cash value life insurance to cover a Long Life, Short Life, Rough Life, Sick Life, and into The Next Life. Life insurance, built the right way, covers all of them. Listen and learn how to build it properly. <a href="http://getpodcast.reviews/id/1109615656" rel="nofollow" target="_blank">Please Rate and Review the Show HERE: </a>

Six Ways To Improve Your Cash Value Life Insurance

This is my favorite stage of retirement planning! It's time to turn this nest egg into a lifetime income stream and in this episode I'm going to cover the safest ways to do that, how to get much, much higher income and how to avoid running out of money. This one is the big daddy as all of retirement planning is about replacing your lost income when you finally stop working. Please Rate and Review The Show HERE

This is my favorite stage of retirement planning! It's time to turn this nest egg into a lifetime income stream and in this episode I'm going to cover the safest ways to do that, how to get much, much higher income and how to avoid running out of money. This one is the big daddy as all of retirement planning is about replacing your lost income when you finally stop working. Please Rate and Review The Show <a href="http://getpodcast.reviews/id/1109615656" rel="nofollow" target="_blank">HERE</a>

The Four Stages of Retirement Planning Part 3-Distribution

There's a place to put your money where it will grow by a guaranteed 8%-9% per year. Sound too good to be true? Listen to this short episode and see which tool it is and how to use it. Please Rate and Review The Show HERE

There's a place to put your money where it will grow by a guaranteed 8%-9% per year. Sound too good to be true? Listen to this short episode and see which tool it is and how to use it. <a href="http://getpodcast.reviews/id/1109615656" rel="nofollow" target="_blank">Please Rate and Review The Show HERE</a>

It's Kind of True That Your Retirement Account Can Grow By a Guaranteed 8%-9% Per Year

There are horrible annuities and there are life-changing amazing annuity contracts that will give you the best retirement imaginable. Come with me on a journey to explore the six types of annuities in an entertaining way. Also, the fourth chipmunk "Bill" shows up to sing a song for some reason. Please Rate and Review HERE

There are horrible annuities and there are life-changing amazing annuity contracts that will give you the best retirement imaginable. Come with me on a journey to explore the six types of annuities in an entertaining way. Also, the fourth chipmunk "Bill" shows up to sing a song for some reason. <a href="http://getpodcast.reviews/id/1109615656" rel="nofollow" target="_blank">Please Rate and Review HERE</a>

Six Types of Annuities and How To Use Each One

In this episode I cover the three pillars of financial deception that this industry uses to steel money from you and keep you doing what they want. You may get upset because these are three very sacred cows. I studied all three and do not agree with any of them. Listen to find out why. The three pillars of financial deception are: 1) You should pay off your mortgage 2) You should postpone taxes to a later date 3) You should use a diversified portfolio of stocks, bonds and mutual funds.

In this episode I cover the three pillars of financial deception that this industry uses to steel money from you and keep you doing what they want. You may get upset because these are three very sacred cows. I studied all three and do not agree with any of them. Listen to find out why. The three pillars of financial deception are: 1) You should pay off your mortgage 2) You should postpone taxes to a later date 3) You should use a diversified portfolio of stocks, bonds and mutual funds.

The Three Pillars of Financial Deception

Do you think taxes may go up between now and when you pass away? If so then creating tax-free income is essential for making sure that you will enjoy the best retirement lifestyle possible. Inflation is constantly eating away at the value of your dollars, don't let the IRS do the same! In this episode I will show you three sure fire ways to create tax-free income in retirement. Please Rate and Review The Show HERE

Do you think taxes may go up between now and when you pass away? If so then creating tax-free income is essential for making sure that you will enjoy the best retirement lifestyle possible. Inflation is constantly eating away at the value of your dollars, don't let the IRS do the same! In this episode I will show you three sure fire ways to create tax-free income in retirement. <a href="http://getpodcast.reviews/id/1109615656" rel="nofollow" target="_blank">Please Rate and Review The Show HERE</a>

How To Create Tax-Free Retirement Income

The second stage of retirement planning is Accumulation. In this episode I delve into how to earn true compound interest, how to handle bear markets and what services are really worth paying for to help you grow your money. Please Rate and Review The Show HERE

The second stage of retirement planning is Accumulation. In this episode I delve into how to earn true compound interest, how to handle bear markets and what services are really worth paying for to help you grow your money. Please Rate and Review The Show <a href="http://getpodcast.reviews/id/1109615656" rel="nofollow" target="_blank">HERE</a>

The Four Stages of Retirement Planning Part 2-Accumulation

How would you like to own a vacation home rather than putting money into boring 401ks and IRAs? What if the financial and emotional benefits can be better doing things a little outside of the box? In this episode I compare investing in qualified plans to owning and enjoying vacation homes! Please Rate and Review The Show HERE:

How would you like to own a vacation home rather than putting money into boring 401ks and IRAs? What if the financial and emotional benefits can be better doing things a little outside of the box? In this episode I compare investing in qualified plans to owning and enjoying vacation homes! <a href="http://getpodcast.reviews/id/1109615656" rel="nofollow" target="_blank">Please Rate and Review The Show HERE:</a>

401Cabins and 401Condos

Mark Twain said "Buy land...they're not making any more". Land is the ultimate low supply, high demand investment. How about this quote from Will Rogers: "Don't wait to buy land, buy land and wait!" When I heard that Richard Branson, Ted Turner, Arnold Schwarzenegger and Warren Buffet all chose the same area of our country to buy land I became very interested. Listen in as I interview one of the top land banking experts in the world Brian Spiridonoff

Mark Twain said "Buy land...they're not making any more". Land is the ultimate low supply, high demand investment. How about this quote from Will Rogers: "Don't wait to buy land, buy land and wait!" When I heard that Richard Branson, Ted Turner, Arnold Schwarzenegger and Warren Buffet all chose the same area of our country to buy land I became very interested. Listen in as I interview one of the top land banking experts in the world Brian Spiridonoff

The Best Investment on Earth Is...Earth

There will be no money for retirement if you don't make contributions so let's dig into how much to contribute, where to invest it, for how long, etc. This is the first in a four part series on the Four Stages of Retirement Planning. Let's do it! Please Rate and Review The Show HERE

There will be no money for retirement if you don't make contributions so let's dig into how much to contribute, where to invest it, for how long, etc. This is the first in a four part series on the Four Stages of Retirement Planning. Let's do it! Please Rate and Review The Show <a href="http://getpodcast.reviews/id/1109615656" rel="nofollow" target="_blank">HERE</a>

The Four Stages of Retirement Planning Part 1-Contribution

This is the second of the four essential google searches you need to run. The results of these searches will make it easy for you to angrily fire your joker broker and move your money to where you will pay less fees, historically earn more money, have higher income, pay less taxes, have more benefits, leave more behind for loved ones and have more for long term care. You'll love the feeling of empowerment when you know more than your broker does about how things really work in the financial services industry. Enjoy! Please Rate and Review The Show HERE

This is the second of the four essential google searches you need to run. The results of these searches will make it easy for you to angrily fire your joker broker and move your money to where you will pay less fees, historically earn more money, have higher income, pay less taxes, have more benefits, leave more behind for loved ones and have more for long term care. You'll love the feeling of empowerment when you know more than your broker does about how things really work in the financial services industry. Enjoy! <a href="http://getpodcast.reviews/id/1109615656" rel="nofollow" target="_blank">Please Rate and Review The Show HERE</a>

Four Google Searches You Must Do Part 2

My belief is that if you understand the three ways financial advisors get paid you willl be better equiped to protect yourself from paying unecessary fees. Knowledge is power and applying that knowledge is even better. Listen in as I strip down how advisors get paid and offer my thoughts. Please Rate and Review The Show HERE

My belief is that if you understand the three ways financial advisors get paid you willl be better equiped to protect yourself from paying unecessary fees. Knowledge is power and applying that knowledge is even better. Listen in as I strip down how advisors get paid and offer my thoughts. Please Rate and Review The Show <a href="http://getpodcast.reviews/id/1109615656" rel="nofollow" target="_blank">HERE</a>

How Advisors Get Paid and What To Look Out For

Are you enjoying your marriage to the IRS? Did you know you can divorce the IRS and choose not to pay taxes on IRA/401k Income in the future? For those who think taxes may go up this episode explores the option of converting your existing Qualified Plan money (401ks, IRAs, TSPs, 403bs, 457s, etc.) to Roth IRA where you pay off the IRS so you never owe taxes on this money again....no matter how high taxes go. Please Rate and Review The Show HERE

Are you enjoying your marriage to the IRS? Did you know you can divorce the IRS and choose not to pay taxes on IRA/401k Income in the future? For those who think taxes may go up this episode explores the option of converting your existing Qualified Plan money (401ks, IRAs, TSPs, 403bs, 457s, etc.) to Roth IRA where you pay off the IRS so you never owe taxes on this money again....no matter how high taxes go. <a href="http://getpodcast.reviews/id/1109615656" rel="nofollow" target="_blank">Please Rate and Review The Show HERE</a>

Divorcing The IRS Using Roth Conversions

In this episode I'm going to walk you through a process I went through in the beginning of my career as a retirement planner. Let's look at the entire history of the S&amp;P 500 Index and see if we can find any clues on how it moves, what happens after loss years, how many loss years vs. gain years etc. There are some hidden gems for your financial planning decisions in looking at how the S&amp;P 500 Index moves. Please Rate and Review The Show HERE

In this episode I'm going to walk you through a process I went through in the beginning of my career as a retirement planner. Let's look at the entire history of the S&amp;P 500 Index and see if we can find any clues on how it moves, what happens after loss years, how many loss years vs. gain years etc. There are some hidden gems for your financial planning decisions in looking at how the S&amp;P 500 Index moves. <a href="http://getpodcast.reviews/id/1109615656" rel="nofollow" target="_blank">Please Rate and Review The Show HERE</a>

How The S&P 500 Index Moves and How To Take Advantage of It

Traditionally life insurance is for younger couples who have children or a surviving spouse to care for. Well...I'm not traditional, life insurance is just another tool and as with any expert at their craft life insurance can be used to do some pretty incredible things. Listen in on why I think you, or your older parents, or your older friends, should buy life insurance....I cover multiple ways to use this tool. Please Rate and Review The Show HERE:

Traditionally life insurance is for younger couples who have children or a surviving spouse to care for. Well...I'm not traditional, life insurance is just another tool and as with any expert at their craft life insurance can be used to do some pretty incredible things. Listen in on why I think you, or your older parents, or your older friends, should buy life insurance....I cover multiple ways to use this tool. <a href="http://getpodcast.reviews/id/1109615656" rel="nofollow" target="_blank">Please Rate and Review The Show HERE:</a>

Why I Think Seniors Should Buy Life Insurance

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