4 Tax Buckets

Understanding your taxes is a key component to retirement and we all know the topic can become confusing. Please review this short video that helps break down the “4 Tax Buckets”.

Beneficiary Arrangements

Do you know how your beneficiaries are set up? Is it exactly the way you want it? For many people, this can be one of their most costly planning mistakes. Watch this short video that helps explain the process of picking the right beneficiaries for your accounts.

Life Insurance

Is your current life insurance policy up to date? Do you HAVE a life insurance policy with enough coverage? When is the last time you did an “In-Force Illustration” to check the health of your policy? For most people, it’s been years… This short video helps explain why this is so crucial for your loved ones.

Rule of 100

Have you heard of the financial “Rule of 100”? It’s one of the simplest planning tools to understand. Once you understand the basic concept though, the next step is putting it in place – especially if you’re within 5-10 years of retirement or already retired! At that age, you simply can’t afford financial losses. Find out more with this “Rule of 100” video!

Losses & Gains

We all know the stock market goes up and down. But what you might not know about those “downs” can hurt! Did you realize that those downs (the negative years) hurt more than the ups (positive years)? There’s more…

Wealth Transfer

You’ve worked decades to accumulate your wealth – blood, sweat, tears, and a lot of planning. But have you started to think about what’s next? Specifically, how you can successfully transfer your hard-earned money to loved ones? Here’s a short video to start that conversation:

Protecting Retirement

Here’s a short video about everyone’s favorite topics – Long-Term Care and nursing home expenses! While we joke and know it’s not a topic most people enjoy discussing, it’s vital to plan for nonetheless. Without a plan, this is a risk liable to drastically affect your entire retirement plan.

Life Asset Class

Did you know that life insurance isn’t just for your beneficiaries? Some people view it as an asset class they hold for their own benefit. Sound strange? Review this short video that explains how this may be more beneficial to you than you may think.

Strategies for Financial Independence

Contact us at or call us at 949.595.4409 (toll free: 877.707.4409) to schedule a time to discuss your financial situation and the potential role of insurance in your financial strategy.


Have Questions for Troy Bender?

It can be difficult to make financial decisions without access to information. If you have questions or concerns about your current retirement strategy, feel free to contact us using the form below

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Get access to our helpful retirement kit which includes three guides that address topics you should consider when planning your retirement.

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