Personal Finance

Personal finance is defined as the management of money and financial decisions for a person or family including budgeting, investments, retirement planning and investments.

Pay Off Your Student Loan Faster With Life Insurance

Life Insurance and Your Student Loan Not many people use life insurance and student loan payments in the same sentence, but we do. This is a growing trend and for good reasons. Below we will explore just a few of the benefits. Maybe this could even be the answer to helping you get out from under your student loans. [...]


Prepare For The 5 Risks In Retirement

 5 Risks In Retirement The words “risk” and “retirement” gives many people concern when applied in the same sentence. We think immediately of market risk, losing an accumulated nest egg, and other forces that seem out of our control. However if we both know and understand the risks, they can be managed and even overcome. At Bender Advisors we [...]


How To Accelerate Your Personal Savings

Accelerate Your Personal Savings Alright, you've come to realize how important a personal savings account is. However, we all know how difficult it can be to find extra money to set aside. But we have a solution. We help clients find money by simply reallocating dollars by redesigning life insurance policies. Some people are over insured, this is a [...]


The Perfect Investment Might Look Like This

The Perfect Investment I was thinking the other day; what would the perfect investment look like? In the real world, not some fantasy world. What would the characteristics of this perfect investment be? As I was thinking I started creating a list. 12 Characteristics of The Perfect Investment Tax deferral on growth Income-tax-free withdrawals Income-tax-free survivor benefits No plan [...]


The Multi-Asset Class Index Annuity 

The Multi-Asset Class Index Annuity  The Lafayette Life Insurance Company’s Marquis SP is a single premium deferred fixed indexed annuity, and the Marquis Centennial is a flexible premium fixed indexed annuity. Both earn interest based on changes in a market index, which measure how markets or parts of markets perform. Both annuities offer growth potential and income guarantees. Allocate [...]