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together, we can feed everyone. Using life insurance to make your donations go further.

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I have to admit that I always thought that volunteering in a food bank meant I’d be putting hot food on a tray for an unfortunate homeless person. A visit to a food bank in Florida and then Three Square in Las Vegas sure opened my eyes. As the Three Square website explains, “Hungry does

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15+ Proven Tips for Entrepreneurs

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More and more people are venturing out on their own to become entrepreneurs. With global commerce available through billions of smartphones that rarely leave people’s hands, it’s easier to conduct business today than ever before. In fact, it may be the best time ever for someone to start a new business. If you’re thinking of

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Tired of Paying Taxes?! We have a solution!

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Learn how to reduce your taxes and embrace tax free income. Protect your money and your life against the unthinkable. Zero risk of your hard earned money. Lock in your interest gains. Also includes death benefits and living benefits in the event of a terminal, chronic, or critical illness. Know your retirement savings will never

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Are You Gambling With Your Retirement?

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  THE STORY OF JOE AND ANDY Joe and Andy were childhood friends, and they kept their friendship alive all through their lives. They didn’t move far from their hometown, and they always made time for each other, playing poker once a week for 25 years, going on fishing trips together, and attending football games

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The Term Life Insurance Lie

I am sick and tired of hearing that people should buy term insurance and invest the difference. Term insurance can be very affordable, but I am constantly talking to people who bought a term life insurance policy 20 or 30 years ago and they don’t have the retirement savings they had hoped for (mainly because

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Does Your Company Retirement Plan Attract the Best Employees?

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Job seekers are always on the prowl for employers that offer not only a good salary package, but also an attractive range of fringe benefits. Among the employee benefits that tend to appeal to the majority of job seekers are health insurance, stock options and company sponsored retirement plans. Retirement plans may be particularly attractive

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Saving Your Acorns

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SAVING YOUR ACORNS Squirrels have a pretty good retirement plan, if you think about it. While other animals — like, for instance, the crows — are living the carefree, party-hearty lifestyle all summer and fall, the smart little squirrels are gathering acorns and storing them for the winter months. That’s why they can curl up

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The Amazing IUL

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Learn about the amazing benefits of the IUL! The next few minutes could change your life! If you want a zero implementation cost and zero risk of loss for invested savings for your deposits as a owner or for your employees, contact us for a free no obligation consultation we just need a few questions

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Happy Independence Day!

America is an amazing place! I hope you have the financial freedom you desire!

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Are you a Fortune Teller?

Are you a Fortune Teller? If not, then stop trying to predict the stock market. On September 10, 2011 none of us knew the next day would bring a blow to the world and send the financial markets on a downward spiral.  On September 18, 2008 not many could predict the very next day would

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Ammo or a 401(k)?

Ammunition may be a better investment than your 401(k)! Recently I had a conversation with a friend about the availability and prices of ammunition. We jokingly said we’d be better off investing in ammunition than a traditional 401(k). That conversation stuck with me and prompted me to dig a little deeper. The most recent bull

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By the Power Vested in me, I Now Pronounce You- Broke!

Soooo…. You’re getting married?  PHENOMENAL!!  Congratulations!  Marriage is one of the greatest memories most people have. You both have probably talked about how great it will be for both of you to be together for the rest of your lives.  You talked about what you will do, where you will travel, children, heck… everything under

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It’s Time to Hurt Yourself… Financially!

Sometimes, talking about retirement is a subject that young people don’t feel they need to address until they are in their late 30’s, and older people wish they would have thought about it earlier. I was flipping through a book yesterday and I came across a story… During a Little League baseball game, a young

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We Support Police Officers

All of the Advisors at Universal Retirement want to publicly express their support and sincere thanks to the police officers in Las Vegas, Henderson, across the state of Nevada, and across the country. During the last several days we have witnessed brazen attacks against our police officers; those that risk their lives to protect us,

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Benefits of a 403(b) Retirement Account

The 403(b) is a tax-sheltered pension plan that is available to employees that work in institutions that have certain aims; education, literary, charitable, scientific, public awareness or similar purposes are served through these organizations.  The 403(b) plan allows the employees to contribute a certain portion of their salaries to this employer sponsored supplemental retirement account.

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Fixed-Indexed Benefits

Why it is smart to use fixed-index financial products to guarantee an income in retirement? When people settle on a decision to retire, it is not only a choice that affects them personally, but also a decision that influences the individuals nearest to them, particularly their grown-up kids. A standout amongst the greatest reasons of

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