Alvi Prosperity Partners

08/27/2026

08/12/2026

With federal debt at historically high levels, could higher taxes eventually be part of the solution? We don’t know—but if you’re planning for retirement, it’s worth considering what higher future tax rates could mean for you.

08/11/2026

“Life insurance is a waste of money.”

I hear that more often than you might think.

And usually, it comes from one big misconception: people think life insurance only matters after you die.

But life insurance isn’t one-size-fits-all.

Term insurance is designed to provide protection for a specific period of time. It generally offers a larger death benefit for a lower initial cost, which can make it a great tool for things like protecting income, covering a mortgage, or providing protection while your children are growing up.

Whole life insurance is different.

It’s designed to provide permanent protection and can build cash value over time. That cash value grows tax-deferred and, subject to the policy’s terms, can be accessed during your lifetime through loans or withdrawals.

That means the conversation shouldn’t be:

“Is term better than whole life?”

The better question is:

“What am I trying to accomplish?”

Temporary protection?
Long-term protection?
Protecting your family?
Creating a legacy?
Building financial flexibility?
Protecting a business?

Different goals can require different tools.

And here's another question worth asking:

If all of your life insurance comes through your employer, how much coverage do you actually have—and what happens to it if you change jobs?

For the parents reading this, financial planning for the next generation doesn't have to begin when your children become adults.

There are strategies families can explore while their children are young that can provide protection and potentially create financial value that lasts well into their future.

Life insurance isn't the answer to every financial problem.

But it can do considerably more than simply leave a check behind when someone dies.

Challenge what you think you know. Ask questions. Understand the options. Then decide what actually fits your situation.

Generational wealth is a process.

Does that process start with you—or end with you?

08/05/2026

Wild Wednesday
-Do you need help with a Will & Power of Attorney?
-Do you want a High Yield Savings account?

I can help you get started for basically zero cost to you. Start the process today and your family will thank you in the future.

Keep in mind you will have to cover a $10-15 notary fee to legitimize your Will & Power of attorney. Normally costing around $2.500.
There is also a fee associated with the Savings account due to the fact it optimizes and actively finds the highest APY% daily between a network of qualified institutions. The rate is .04% Quartey until you reach a value of 100K then it is $40 a quarter.

Upfront and honest is how I do business. No smoke & mirrors. Of course this is the tip of my iceberg. There is much more that can be done. But you have to start somewhere.
Book and appointment time with me and my team and let's get you set up!

08/03/2026

Money Monday...
Savings accounts on average earn .01~.05% interest.
Taxed on owned property, income, gains. Basically everything.
Inflation, on the rise & Social Security at risk of insolvency.

These are just facts. What you do with them matters most.

So why save all my money in an account that can't even beat inflation rates?
Do I have to pay taxes on everything? Not life insurance. Nor the gains in a life policy...
If the government can't even figure out how to keep social security working, why are we treating it as a guarantee?

Get informed and make the right moves before you see the problem and have no choice but to take it head on.

05/27/2026

Understand how income levels can affect IRMAA surcharges and Social Security taxation—and how factors like part-time work or volunteering may play a role.

Avoid rising IRMAA surcharges and discover how volunteering and part-time work keep more of your Social Security benefits tax-free.

05/26/2026

If things feel more expensive these days, it's because they are. You can lighten your budget by cutting out these costs when money gets tight.

Loosen your budget by saying goodbye to these purchases

05/25/2026

Millionaire status is rising, but most are older. Here are strategies younger Americans may consider when building wealth.

Millionaire status is rising, but most are older. Here’s how younger Americans can build wealth.

05/22/2026

A Kiplinger editor shares some retirement wishes for her father.

05/21/2026

AARP exclusive report: Family caregivers provided 49.5 billion hours of care in 2024, ranking among America’s largest workforces.

AARP exclusive report: Family caregivers provided 49.5 billion hours of care in 2024, ranking among America’s largest workforces