4-percent

The 4% Rule

The 4% Rule The 4% rule is a popular retirement withdrawal strategy that suggests retirees can safely withdraw an amount equal to 4% of their savings during the year they retire and then adjust for inflation each subsequent year. The rule was developed by financial advisor William Bengen in 1994, who analyzed historical stock and…

One Hundred American Dollar Banknote Tied With A Padlock And Chain One Blue Background

Spendthrift Clause

Spendthrift Clause Spendthrift clause is a provision in a trust or will that protects the assets of the trust or estate from the creditors of the beneficiary. It prevents the beneficiary from assigning or transferring their interest in the trust or estate, and it also prevents creditors from attaching or garnishing the assets. Spendthrift clauses…

Buy Term Invest Difference

Buy Term & Invest The Difference

Buy Term & Invest The Difference: A Smart Financial Strategy “Buy term and invest the difference” is a financial strategy that involves purchasing term life insurance and investing the savings from lower premiums in other financial instruments, such as stocks, bonds, or mutual funds. Term life insurance is the most affordable type of life insurance,…

Bowie Bonds

Bowie Bonds

Bowie Bonds David Bowie, was an influential artist in the music industry of the 20th century.  His distinct visual style of presentation, coupled with amazing music and stagecraft had a significant impact on popular music. His alter ego, Ziggy Stardust, became a symbol of the LGBTQ+ movement at a time when mainstream society was not…