The Four Horsemen of Marketing

Key Takeaways

  • If you’re a business owner, keep your unique position, differentiation, benefits and brand top of mind at all times—especially in your marketing efforts.
  • Are you filling an unmet need in the marketplace and clearly distinguishing yourself from the competition?
  • Can you clearly articulate the special benefits that clients or customers receive by using your product or service?

3 creative ways to stretch your retirement savings

rob-blog-post-11-28-16A HECM can help you “have enough” to retire

About 4 million Americans will enter retirement in the next year. While most look forward to this new phase of life, retirees also struggle with fear. According to survey results released by CNNMoney in August 2016, retiring Americans’ single greatest fear is running out of money to fund their needs in retirement.

The survey lists the various fears arising from financial uncertainty and the percentage of respondents stating which one they worried about the most:

Having an unplanned emergency – 38%

Having unplanned medical expenses due to illness or injury – 34%

Having insufficient savings to retire – 32%

Outliving retirement savings – 21%

Becoming a burden to adult children or other family members – 20%

Each of these represents a valid concern for those entering retirement. But retirees today face a number of other risks, as well, which can impact the success of their retirement plans:


Thanksgiving Facts to Share With Family and Friends


Thanksgiving is the time of year to surround yourself with the people you love and care about and do what the name suggests – give thanks for everyone and everything you have.

This Thanksgiving is an especially poignant one, being that it follows a few weeks after one of the most historic elections this nation has ever witnessed. It’s left a nation rather divided, and there’s a lot of healing between family and friends to be done. In a way, this Thanksgiving couldn’t have come at a better time.

In the spirit of providing you knowledge as we do every week with financial tips and tools, we thought we’d have a little fun and equip you with some interesting facts about Thanksgiving.


Protecting Your Own

Key Takeaways

  • Insurance, tax planning, legal structures, financial documents, and family matters all come into play when it comes to protecting your assets (and your family’s).
  • Estate planning is not a one-and-done exercise. You need to review your plan regularly and make adjustments as your life circumstances change.
  • Umbrella insurance is extra liability insurance that protects your personal assets from major claims and lawsuits above the limits of your homeowners, auto, and boat insurance.