Broker Check


Some Questions People Ask Me:


Executive Benefits

Employee Benefits

Prosperity Consciousness

Retirement Planning

Wealth Management

  1. What is a Section 162 Bonus?
  2. What is Key Man Insurance and how can it help my company?
  3. What makes your health plan so much better than mine?
  4. What size company provide employee health plans?
  5. Are all health plans created equal?
  6. What difference between a health plan and health insurance?
  7. How do I save more so I can actually retire?
  8. What is the difference between a qualified and a non qualified savings plan?
  9. How can I build multigenerational wealth?
  10. What is spiritual giving?
  11. What is unwise generosity?
  12. What is prosperity consciousness?
  13. What are good uses of life insurance?
  14. Am I saving intelligently?
  15. Should I have a will or beneficiary plan?
  16. Will I be able to retire?


  1. What is a Section 162 Bonus? It is an executive bonus arrangement in which the employer pays a bonus each year to selected employees, typically either in cash or in the form of premiums on life insurance or disability policies on their lives.
  2. How do I save more so I can actually retire? One good idea would be to maximize  your contributions to all qualified saving plans and by using non qualified plans to supplement your retirement savings.
  3. What is the difference between a qualified and a non qualified savings plan? Qualified plans are those plans which fall under ERISA regulation, i.e., 401k, etc. and are generally non-discriminatory in nature. Non qualified plans are not ERISA regulated and can be built to specifically exclude or include certain employees or classes of employees.
  4. How can I build multi-generational wealth? Multi-generational wealth is meant to provide for your heirs and their heirs, just like the Rockefellers did. You can use the same tools they used: Family Trusts, Generation Skipping Trusts, Charitable Remainder Trusts, Charitable Lead Trusts and Irrevocable Life Insurance Trusts, amongst others. By using a family trust in combination with other trusts, all drafted by a qualified attorney who specializes in estate planning, you too can build multi-generational wealth. Call me for a referral to a qualified attorney.
  5. What is spiritual giving? Giving from the heart with no strings attached.
  6. What is unwise generosity? Gifts that do more harm than good.
  7. What is prosperity consciousness? An awareness of the abundance of all that life has to offer all the time and an intimate relationship with the source of it all.
  8. What are good uses of life insurance? Some wit once said, Life insurance is a bet you make that you hope you lose. The premiums you pay to the insurance company are your wager that they will provide a pile of money to your family or business should you die unexpectedly. It is in reality "income replacement insurance." Because those premiums are always less than the total of funds promised it is an excellent way to leverage your money for protection. Much like your auto insurance, most life policies expire when you stop paying the premiums (term life.) Permanent life policies build up cash balances that eventually allow the policy to cover its own costs, which means the owner no longer has to make premium payments.  If the owner funds the policy with enough money they can even expect to have a nice nest egg saved up which can be used for supplemental retirement income.
  9. Am I saving intelligently? One must assume you are intelligent or you wouldn't be reading this. But as my mentor Paul Charlap, founder of Savin was fond of telling me, "Stupidity is an incurable disease." This is not the most generous of sentiments yet mostly true. There are really only 3 rules for successful investing: Spend less than you earn, invest the difference, and don't do anything stupid with your money.  How do you know if you're doing something stupid with your money? If it's too good to be true it probably is (Madoff proved this.) Do any of your investments say “guaranteed” on them? There are only two guarantees in life, death and taxes, so beware the so called guaranteed not to lose you money programs. Have you consulted with a professional adviser who walked you through a series of self exams and questionnaires to determine your risk comfort, your goals, and the allocation strategies appropriate for your situation? That would be the intelligent thing to do.
  10. Should I have a will or beneficiary plan? Not if you’re either planning to spend every last dime yourself or come back from the dead. Otherwise, absolutely! How else are your heirs and advisers going to know what your final wishes are?
  11. Will I be able to retire? It depends. Yes, with proper planning. Otherwise no or at least not very well. Call me, 415-482-8622.