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End of the Trump Tax Cuts in 2025
Piggy bank is asked to pay taxes. High tax and a heavy burden on business. Fees for deposits and savings. Avoidance of overpayments on taxes and audit. Inefficient use of taxpayers budget money. Introduction The Tax Cuts and Jobs Act (TCJA), better known as the Trump...
Teachers Retirement and Social Security: New Rules for Relief
Unlocking Your Retirement: What the New Social Security Changes Mean for Teachers By John Merkel | Published: August 20, 2025 A Financial Victory for Educators After decades of advocacy and persistence, the teaching community has finally achieved what many considered...
Navigating Tax and Tariff Complexities in 2025: Securing Your Retirement Future
By John Merkel, President/CEO Rose Retirement Financial Services As we navigate through 2025, American retirees and pre-retirees face a financial landscape marked by significant change. Between expiring tax provisions and ongoing tariff policies, this year presents...
7 reasons to buy life insurance during a turbulent economy
Ask an agent about the best time to buy life insurance and the answer will likely be “now” or “anytime.” But consumers watching the value of their 401(k)s decline in this inflationary era as interest rates spiral may want to know if perhaps life insurance is a particularly good option to supplement investments and retirement accounts during a down economy. And if it is, why? We put the question to financial planners and insurance experts. Not surprisingly, they agreed it was a good time to buy life insurance. But their reasons differed.
3 Ways Your Life Insurance Company Is Scamming You
Although it makes sense to get in touch with a life insurance company to cover your dependents in the eventuality of your untimely death, there are integrity issues surrounding the insurance companies and agents.
5 Tips For Cheaper Life Insurance Premiums
Most people know that life cover pays out a lump sum if you die. But far less know that you can buy cover that pays a regular tax free income instead of a lump sum. It’s official name is Family Income Benefit and is often cheaper than the more common Level Term lump sum payout option. So why would an income be better than a lump sum?
5 Quickest ways to lower your Life Insurance Premium
Worried about the spiraling life insurance premium? We have enlisted 5 quickest ways to lower your life insurance premium. Well, keep these points in mind but do tread with caution and act prudently.