Modern Wealth

10/07/2026

What would happen to your loved ones if you were gone? Make financial preparations today.

Variable Universal Life is permanent insurance in which the policyholder directs how premiums are invested.

10/06/2026

How prepared are you for retirement?

This checklist can give you a quick snapshot of how prepared you are.

10/04/2026

Do you know how to avoid internet fraud? Janet does. Learn how to keep yourself safe from data thieves of all kinds.

Learn about the dangers of internet fraud with this highly educational and fun “pulp” comic.

10/03/2026

You can start Social Security benefits as soon as you reach 62. Know the rules before deciding.

Monthly Social Security payments differ substantially depending on when you start receiving benefits.

10/02/2026

Do you know how missing the best and worst market days might affect your portfolio?

All about how missing the best market days (or the worst!) might affect your portfolio.

10/02/2026

You just sold your business and someone wants to put the cash into an annuity.

Many owners do not actually need one. A ladder of bonds timed to when you need cash can often cover your income, with no surrender period.

Surrender periods on these contracts can run six to eight years, sometimes up to ten. That is years of your sale proceeds locked away.

The article shows what to ask before signing: what it costs to pull money out early, how a bond ladder compares, and why a fee only advisor matters here.

The full article: https://www.modernwealthllc.com/blog/do-newly-liquid-owners-actually-need-an-annuity/

10/02/2026

You just sold your business and someone wants to put the cash into an annuity.

Many owners do not actually need one. A ladder of bonds timed to when you need cash can often cover your income, with no surrender period.

Surrender periods on these contracts can run six to eight years, sometimes up to ten. That is years of your sale proceeds locked away.

The article shows what to ask before signing: what it costs to pull money out early, how a bond ladder compares, and why a fee only advisor matters here.

Sold your business and the annuity pitches started? A fee-only fiduciary explains when a bond ladder covers your income without years of surrender charges.

10/01/2026

Did you know that the SECURE Act 2.0 changed Required Minimum Distribution Rules?

Understand how SECURE Act 2.0 affects RMDs and how using a QCD can possibly benefit both taxes and charitable goals.

09/30/2026

You keep assuming the sale of your business will fund your retirement.

For most owners, that sale never comes. Or it comes in far below what you expect. The fix is saving for retirement outside the business, every year, while it still runs well.

The real non-sale rate for small businesses runs above 90 percent. Buyers pay for what keeps running after you leave, not for your effort.

The article shows how to tell if your business is actually sellable. It gives the percentage of income to save each year if it isn't. And it compares which retirement accounts fit self-employed owners best.

The full article: https://www.modernwealthllc.com/blog/how-to-retire-when-the-business-is-a-job-not-an-asset

09/30/2026

You keep assuming the sale of your business will fund your retirement.

For most owners, that sale never comes. Or it comes in far below what you expect. The fix is saving for retirement outside the business, every year, while it still runs well.

The real non-sale rate for small businesses runs above 90 percent. Buyers pay for what keeps running after you leave, not for your effort.

The article shows how to tell if your business is actually sellable. It gives the percentage of income to save each year if it isn't. And it compares which retirement accounts fit self-employed owners best.

Your business may be a job, not a sellable asset. Learn how much to save and which retirement plans work when no exit is coming. Start planning today.