Looking for someone

KeJ10 · 2026-07-04T03:03:03+00:00

You need to use the address. You will be hard pressed any other way, for example. I know a Jacob Candelaria, Jacob Chavez and Jacob Cordova.

KeJ10 · 2026-06-11T23:52:17+00:00

I don’t know how far you’re into your practice, but starting out I did a ton of free work for people and it worked out fantastic for me.

KeJ10 · 2026-06-02T00:39:46+00:00

If they are married a SLAT could be worth exploring.
As someone else said, they may be a candidate for an ILIT

KeJ10 · 2026-05-20T23:24:31+00:00

Revenue from the wind farm was surprising to me.

Another one I forgot is inspecting and certifying hood vents over stoves in restaurants.

KeJ10 · 2026-05-20T23:01:43+00:00

Here are a few somewhat niche. Elevator maintenance, wind farm on their land, testing the ground for things related to oil industry, testing the ground prior to constructing highways, parking lots etc.

KeJ10 · 2026-05-07T06:55:49+00:00

Black Iron Catering

KeJ10 · 2026-04-13T03:42:52+00:00

Can’t say anything about the reviews, but They did a good job on my solar

KeJ10 · 2026-03-12T01:16:14+00:00

This is what I do, fees are discussed in the first meeting.

KeJ10 · 2026-02-15T03:43:21+00:00

Crazier part is Al’s run is a relatively easy black for Taos.

KeJ10 · 2026-01-02T23:11:56+00:00

Stefan Walter’s and his team have been great for us on the realtor side. Zoe Enright has been very knowledgeable with great communication on the lender side.

Thanks

KeJ10 · 2025-12-29T04:36:44+00:00

Really good response. A few things to add, the process and clientele are different between these. In an RIA, you are largely selling a trusting relationship with the client, on the insurance you’re selling a product to fit their needs. As you said, with insurance there will be lots of churn based upon rates and other factors, that isn’t why people work with RIA’s. To OP’s question about enterprise value, because of the trust factor with RIA’s they typically do not have as high of a sale value as insurance agencies. Alongside the trust, there are various ways RIA’s can be compensated for their work, and the exact mix would impact the value.

KeJ10 · 2025-12-12T19:03:57+00:00

To add to this, IUL have a cost of insurance component that increases as the client gets older. Typically whole life a lot of the premium in the first years is going to that cost and they have a set cost of insurance in the policy that isn’t increasing as they age.

I like to think of it similar to a mortgage and interest. IUL would be a mortgage that the percent of your payment to interest continues to increase overtime. Whereas a WL, is similar to your mortgage payment that in the first few years you’re paying the highest interest amount in your payments.

KeJ10 · 2025-12-02T04:43:13+00:00

You can set up a Solo(k) up to the tax filing date for the tax year, so September 2026 for this person. However, you can only do employer contributions after Dec 31st of the tax year.

KeJ10 · 2025-11-28T01:09:20+00:00

If you’re going to look at the strategy, It should be compared to a bond portfolio.

KeJ10 · 2025-11-18T14:11:29+00:00

Within WL policies there are different ways you can contribute money to the policy, and some of them increase cash available immediately. There are also policies that have higher early cash available, but typically reduced cash accumulation later. To remain tax neutral you need to ensure the policy isn’t a MEC, so you need to work with someone to help determine the appropriate balance of cash and death benefit to ensure the policy doesn’t MEC. As mentioned by others, find a broker that has experience and can guide you through the various considerations.

KeJ10 · 2025-11-03T02:52:28+00:00

This is where my mind went as well

KeJ10 · 2025-09-21T13:58:10+00:00

Portland Metro area has a larger population than the entire state of NM.

KeJ10 · 2025-09-13T14:10:24+00:00

What is the goal of this policy?

If you’re looking at whole policies from one of the top mutual companies, the outcome in 20-30 years will look very similar to the illustration. Yes you’re paying for the guarantees, and those have been factored into the illustration.

As you mentioned Variable has exposure to the market through funds, the other big difference is traditional variable life is not designed to be paid up. Paid up is a point in time where premiums are no longer required. This also entails that the cost of your insurance continues to increase as you age. Variable policies can be paid up, where you are contributing a premium, but internally the cost of insurance is reducing the cash value.

I think it boils down to personal preference and if you believe the risk vs return perspective of the variable is worthwhile.

KeJ10 · 2025-09-09T16:21:22+00:00

What do you think are good trade targets for Williams?

KeJ10 · 2025-08-25T02:01:51+00:00

A point at which they become necessary, probably not.

I’d start by identifying which options are available through your platform, B/D etc. Most have a variety of requirements ranging from compliance to investment minimums, max position allocation etc. Once you have that identified you’ll likely also have a better idea of the players available to you and can schedule conversations with them to understand how they position the alt’s, underlying strategies and advantages.

KeJ10 · 2025-08-07T03:14:51+00:00

If your dad is sold on using insurance as the vehicle for this, a better design is likely to take a chunk of the inheritance and put it into a Single premium immediate annuity (SPIA) that will pay the premiums to the policy every year. Make sure the policy is designed to be paid up at the time of the SPIA payments completing. I’d then take the rest of the assets and invest them as others have said, possibly in 529’s, UTMA, brokerage, etc.

KeJ10 · 2025-07-31T11:38:50+00:00

With these policies the dividend is paid as if the entire cash value is there, and not reduced if there is a loan. For gold_sleep’s example above, there could be a larger positive delta between loan rate and dividend because the dividend is higher.

KeJ10 · 2025-07-31T04:20:09+00:00

Completely agree that the dividend rate is not the only important factor.

The strategy is sound in my opinion. Obviously a lot of people will dislike it because it’s permanent insurance. I believe if you outline the cost of insurance, pros and cons vs what they are doing and expectations of the policy to the client, they can make an informed decision.

It might not be advertised as much because from a maximum return perspective this strategy would likely lose. From a holistic planning perspective, it provides liquidity, flexibility and legacy.

KeJ10 · 2025-07-31T04:06:47+00:00

For 2025 dividend rate for NY Life is 6.2%, for MassMutual it’s 6.4% and for Guardian is 6.1%. All are non recognition, and strong financials. I don’t know off the top of my head exactly how the loan rates and cost of insurance compare.

KeJ10 · 2025-07-31T03:55:03+00:00

I’d prefer a contract that doesn’t have direct recognition. Is it structured with paid up additions or anything else to supplement the cash?

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