Author Archives: Todd Howell

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

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 not mean homeless. It may surprise you to learn that, every day, working parents in Southern Nevada face an unthinkable choice between feeding their families and paying the bills.” In fact, one in seven people in southern Nevada struggle with hunger. That is a staggering number considering the prosperity that abounds in Las Vegas.

Through community partners, Three Square was able to reach nearly 140,000 individuals struggling with hunger each month in 2016. Three Square is an amazing and very efficient food collection, preparation, and distribution center in Las Vegas. Their efficiency means they can turn a $1 donation into 3 meals. The best grocery store shoppers can’t even come close to that ratio. In fact, Three Square is so efficient, 94.1% of all donations and revenue go directly into their food and distribution programs. 3.7% of revenue is spent on fundraising efforts, and administration expenses are only 2.2%! That’s impressive! Donation money is spent very wisely and efficiently.

Donating to an organization like Three Square truly helps people in our community survive. The need is tremendous and still growing. Donations are needed every day to help those currently in need. Every $1 donated provides 3 meals. Donating $1,000 to Three Square will provide 3,000 meals. Now imagine if you could help 100,000 times more! Imagine providing 300,000 meals to those in need; how about 3,000,000 meals?! Life insurance is the way to make your money go farther. Using life insurance as a donation instrument is a way to make your money more efficient and go further than imaginable. Rather than using your cash as a donation, you can purchase a life insurance policy that will provide 4 or 5 times more money to Three Square. Purchasing a $1,000,000 life insurance policy, designating Three Square as the beneficiary, is an ideal way to create a legacy without using $1 million from your estate. Imagine how you’d feel by providing 3,000,000 meals to hungry people in southern Nevada!

To make your money go even further, one of the life insurance providers we use at Universal Retirement will also contribute an additional 2% of any death benefit designated to Three Square. That’s an extra 60,000 meals!

Let’s all help eradicate hunger in our community.


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15+ Proven Tips for Entrepreneurs

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 becoming an entrepreneur, here’s a list of 15 proven tips that every successful business owner needs to consider.

  1. Get a Coach or Mentor – Learn from the expertise of others
  2. Know Your Niche – Become and expert in your specific field
  3. Knowledge – Learn everything there is to know
    •      Products
    •      Industry
    •      Tax Laws
    •      Competition
    •      Allies to work with
  4. Business Plan – Don’t wing it. Create a roadmap to follow
    •      Cash Flow, Cash Flow, Cash Flow
    •      Keep your cash liquid
  5. Business Structure – Decide what business structure is best for you
    •      Sole Proprietorship
    •      Partnership
    •      C Corporation
    •      S Corporation
    •      Limited Liability Company
  6. Business Taxes – Don’t forget to pay Uncle Sam, but don’t pay more than you have to
    •      Reduce Your Taxes
  7. Separate Personal & Business Finances – Remember, your business is not your personal piggy bank
  8. Know Your Strengths and Weaknesses – Be confident in your abilities, admit your weaknesses
  9. Know Your Clients – Understand who your target audience is
    •      CRM software
    •      Know Your Client’s Needs
  10. Marketing – Market Yourself
  11. Track & Analyze
  12. Always Evolve
  13. Don’t get Discouraged
  14. Remember the Benefits of Business Ownership
  15. Put your money into a financial product that keeps your money working for you all of the time

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Tired of Paying Taxes?! We have a solution!

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 stop growing, Learn how to use retirement savings to increase your income when you turn on income, never run out of money retirement planning is real and costs less than stock variable accounts, permanent life insurance myths about investment values are untrue, it’s the only investment guaranteed in event to happen that pays on average 4-5 times or more what it cost you. Many facts you should know are available with a no-obligation, free consultation right here! Take advantage of your future today contact us now, time does not stop and every day you are not using the right plan is another day you could be living happier in retirement!

Schedule your no obligation consultation today click HERE

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Are You Gambling With Your Retirement?



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 at their local high school.

They were good buddies, but although they shared a lot in their lives, they didn’t share the same approach to saving for retirement. Joe was a long term thinker, and he gave a lot of thought to his retirement. He put as much of his pay as he could into his 401k plan, and he managed to diversify into real estate, annuities, and even a cash value life insurance plan that would provide a tax-free income. He lived modestly, and didn’t buy much on credit, because he didn’t want to be in debt.

Andy couldn’t be bothered with that. He never had a budget in his life, and he always bought whatever he wanted. He lived in a bigger house than he could afford, and he traded in his cars every two years for a newer, more expensive model. He borrowed against his 401k and never put aside anything extra. When he got laid off in his 50s, he never found another job with the same pay or benefits, and he dipped into his retirement fund to finance his lifestyle.

When Joe and Andy turned 65, their lives were very different. Joe and his wife Susan were able to start receiving income from their annuities and life insurance policy, so they were able to buy a vacation home. They had enough money to live comfortably in both of their properties, plus take a couple of vacation trips each year.

Andy and his wife Diane had only Social Security to live on, and they had to move to a smaller house, sell one of their cars, and cut back in every area of their lives. Andy even had to stop playing poker with Joe every week, because he didn’t have the money for it!

In poker terms, Joe and Andy played their cards differently, and that made all the difference in their retirements!

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The Term Life Insurance Lie

Category : Retirement

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 they lost money in the stock market or because they couldn’t afford to save enough each month). Now when they are 30 years older (and often in worse health) they are left without life insurance to pass on wealth to their loved ones, nor do they have the large savings they had dreamed of.

Most people are shocked at the cost of life insurance when they are in their 50’s or 60’s! Rarely do young people inquire about life insurance premiums for 60 year olds. If they did, it may change their outlook on whether it’s smart to pay a little more to start a permanent life insurance policy that will last their entire life. If a permanent policy is structured correctly, premiums may only need to be paid until the age of 60. Then you essentially have free coverage for the rest of your life! In many cases, the life insurance policy can also pay you back once you get to retirement age! Then you have paid up life insurance AND another source of Tax-Free income during the retirement years. You’ll never see a term policy do that!

Don’t even get me started on people that rely on GoFundMe accounts to pay for funeral expenses…

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Does Your Company Retirement Plan Attract the Best Employees?

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 because at the back of every job seeker’s mind, is the dream of eventually enjoying a comfortable life after a successful career. The idea of working for an organization that offers the best retirement plan can be a deal breaker for the discerning job-seeker.

As a small or medium-sized business, you may have trouble attracting the right talent because your business may not be able to offer competitive monetary compensation. However, you could still woo the best talent by offering an attractively packaged company sponsored retirement plan. Tax Deferred options may help employees reduce their tax liabilities and an after tax plan option may work for others. A Roth 401(k), Roth IRA, or Insurance Contract may be ideal for your company. These allow employees to accumulate retirement savings and not have to worry about taxes being deducted when withdrawals are made during retirement years. In addition, employees may withdraw funds penalty-free at any time. This feature may be appealing to job-seekers since it gives them the opportunity to access cash if they ever find themselves in an emergency or in need of a lump sum for making a down payment on a home or paying for their children’s college. As an employer, you can attract the best talent simply by offering the right retirement plan package.

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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 in their trees and play canasta all winter, while the crows have to search for odd bits of seeds in the snow all winter long, and complain about their arthritis.

A lot of people are the opposite of squirrels. They go along from day to day not thinking much about the future, because, well, there’s just too much going on in the present to keep them busy.

But that’s a mistake, and here’s why.

Retirement. Yes, there’s a time in either the near or far future when we will reach the end of our working life, and we’ll want to have enough acorns put away to weather the winter of our lives. Sorry if this is getting too poetic, but you get the point.

It’s that it’s never too early to start planning for a happy, healthy retirement, and actually sooner is much better than later. The future is not easy to predict, but one thing that’s pretty certain is that the cost of living is bound to go up, and certain other costs — like healthcare, for example — will go up faster than the average.

If you want to have enough money on hand to pay for all those increased costs, it’s essential to start saving for retirement now.

At Universal Retirement we can help you do that. Call us today at 702-400-4500 to learn the best way to save your acorns.

We’re very good with acorns.

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The Amazing IUL

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 answered so we can come to you prepared to best meet your needs and goals.

Ever asked yourself WHY the Federal and State Government does not offer a 401k or variable product to their employees thru their pension plans in most savings benefits plans?

This would mean they are paying U.S. taxpayer dollars it seems to people and those people decide to save for retirement thru a pension plan that perhaps ended up losing money. Not a good way to get re-elected maybe?


If you own a business and your retirement plan is not performing as it you thought or feel it should, we have a guaranteed performance solution. Even more importantly you may save on costs without the set up or management fees that 401k or similar plans require in order to provide your benefits savings plan to your employees.

Our plan is zero implementation cost, has no risk of loss regardless of market conditions and gives you a great upside return on great market conditions. If the market drops you level off, when the market goes back up your interest gains increase with it.

We find that most people woh have 401ks with mutual fund management required and the responsibility is on the individual who is saving money for the later years, had not allocated their savings dollars towards funds, many dont know how. Yet there are managmenet and sometimes even deposit fees for every dollar deposited. All to find when poor decisions are made with the broker or fund which they are allocated and they lose money, what many business leaders and individuals may not understand is this eventually leads to higher taxes because old people who cannot work or had no living benefits which are included with every policy we provide, will be our tax burden in the years to come.

So, its important to think about your retirement plan and if your leadership skills are paramount with your business success. It may be said your number one asset in business success is your employees and executive management. No American worker should put their faith in the company leaders to have them invest in a product that gambles with their savings not growing at positive earnings for long term savings. No one who saves and is loyal to trust their company’s managment should find their savings was wittled away with fees that are not managing the dollars they hope to have grow so they don’t have t rely on subsidies or welfare to allow them to eat, pay their medical bills or buy medicine.

Our message is in honor of your success and how to ensure you take care of the people who work hard for your success and we have a no cost, zero cost plan that far out performs company retirement benefits plans and we can prove it.

So, if you care, and if you want to see the tax advantages plus have a plan that ensures your retirement as well as your employees who participate can trust that they will have a guaranteed lifetime iucome and not run out of a income to assist them with those days that are absolute- give them an absolute guaranteed return savings that has in worst of times returned at least 6% or more.

CALL 702.400-4500 for a qualified professional business agent to assist you.


OR Email us at: –

We will only ask a few questions about your company and your goals for the plan

Date and time scheduled will require about 1 hour for consultation to present the best solution to your goals and needs.



We’re proud to work with those who serve.

Universal Retirement is proud to provide free education on financial literacy to the U.S.O and Nellis A.F.B. as well as many other companies and their employees at no charge. This includes budgeting and psychology of money, advancing investment strategies and many others. These classes are as well offered to young adults thru schools, churches and other organizations free of charge. We are proud to give back and hope our endeavors will reduce poverty and help communities we server to be better places thru financial literacy.

To book a class for your company please call us at 702.400.4500 Today- Its Free and Great for all ages.

You can also email us at after hours or weekends.

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Happy Independence Day!

Category : Retirement

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

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Are you a Fortune Teller?

Category : Finance

Are you a Fortune Teller? If not, then stop trying to predict the stock market.

Fortune tellerOn 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 bring an announcement about the housing crisis and a multibillion dollar bailout for the nation’s banks that would send the economy into the largest plunge since the Great Depression.  Today, as I read about the uncertainty taking place in Europe as the UK voted to exit the European Union, it occurred to me that just 2 days ago, before the UK’s vote, we were in a moment like September 10, 2011 and October 18, 1987.  The trouble with the stock market is that no one can predict when these events that cause financial turmoil will occur until our IRA or our 401k has plummeted in value.  It’s depressing.  And it makes us wonder if we’ll ever be able to retire.

It’s time to stop trying to be a fortune teller.  There is a better way.  If you are tired of seeing red in your financial portfolio, it’s time to learn about fixed-indexing.  You can put your money into an account that will not lose money, regardless of what is happening in the world economies.  Call 702-580-4263 today to learn more about our fixed-index strategy.  So the next time you turn on the news and the markets are dropping because of some unpredictable world event, you can rest easy knowing your money is safe.

Angie Welsh

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