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Denver Nowicz

Where is the economy headed?

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Will the economy continue to grow or stay flat?

We have compiled our top economic charts for the start of the second quarter. This should give you a brief over of what direction the economy should go. Key words “should go”!

Listen to the show and view the charts we reference below.

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100 years of the income tax

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It is tax day! Here are some key takeaways from the graphic below:

  • The gold bar is the tax rate paid by average Americans. The blue bar by the average CEO.
  • There has been much more fluctuation on what high income earners pay vs. the average American.
  • In 1980 income over $80,000 was taxed at 50%!
  • What’s in store for the next 100 years?


How to have confidence in a rigged market

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What strategies can you implement to keep your money growing in a rigged market?

This is part 2 of of our weekly radio show. If you missed part 1, here is the link:

We know the market operates the way it does. However, we can lose money by just sitting on the sidelines. There are certainly ways to grow your wealth and have protections. Read More

The market is rigged! Are you surprised? Part 1

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On this week radio show we discuss Michael Lewis’s new book Flash Boys and the his claim that the market is rigged.

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The U.S. stock market is rigged in favor of high-speed electronic trading firms, which use their advantages to extract billions from investors, according to Michael Lewis, author of a new book on the topic, “Flash Boys: A Wall Street Revolt.” Read More

Market trends and how they affect your wealth: Part 2 of 2

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Strategies for long term bear markets to keep your wealth growing.

Since we have seen how long bear markets can last and that most investors don’t have a 100+ year time horizon, we need to plan for bear markets that could fall into your peak saving years and income years.

There are strategies to overcome this and keep your wealth growing using real estate, investments and insurance products. Today we will focus on the using index crediting strategies in insurance products.

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Building income streams Part 3 of 3 – The myth of Be Aggressive

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In this final segment we discuss how to take chunks of money you have saved and create income for life. The younger you start this process the better. The great fiction you hear from financial media is that when you are young you need to be aggressive.  This is not based on any fundamentals and not is it true. There is no one-size-fits-all advice. Read More

Building Income Streams part 2 of 3 – Case Studies

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Build income streams you can access before and after age 59.5. Also have multiple sources of capital you can access without restriction (like you will find in 401k/IRA). This can give you better access to your money to handle the ups and downs of life.

In this segment we also go over specific case studies comparing income streams from defined benefit plans and 401ks to tax free income from indexed universal life insurance plans. Successful professionals are increasingly building alternative income streams they can access before traditional retirement age. Read More

Building Income Streams part 1 of 3 – Critical Planning Steps

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Income planning is not just for retirement. What happens if you want to access your money early and everything you have saved is in a 401k? With the exceptions of emergencies you are stuck until you reach age 59.5 in most cases.

What if you want to go part time or start a business? What if you get laid off and can replace all your income? Having income streams you can access without the government penalties could be a good idea to incorporate in your planning process. Read More