Phillip Hansen - Investment Advisor Representative with Primerica Advisors

Phillip Hansen - Investment Advisor Representative with Primerica Advisors In 1977, we were founded on a simple idea: Just do what's right.

US households are sitting on a pile of liquidity. That's a lot of dry powder.
04/07/2026

US households are sitting on a pile of liquidity. That's a lot of dry powder.

When is the best time to invest? When you have the money.
03/28/2026

When is the best time to invest?

When you have the money.

We should probably sell cuz the war, huh? Not so fast...1 Year after start of event: 9.2% return on average.3 Years afte...
03/16/2026

We should probably sell cuz the war, huh?
Not so fast...

1 Year after start of event: 9.2% return on average.
3 Years after 35% return on average.

What you SHOULD do is get that full 2025 catch up contribution in while there is still time.

03/13/2026

📉 S&P 500 just fell 1.5% today — its 6th daily drop of 1%+ so far this year.
Buckle up: expect plenty more of these in the weeks and months ahead.
The average year since 1928 has 29 daily declines of 1% or more.
This is simply the price of admission for long-term gains. Stay invested! 💰🚀

03/12/2026

You've been lied to.

Investing success is FAR MORE about BEHAVIOR than PREFORMANCE or FEES.

I've cancelled more insurance policies recently than I've written.Make no mistake: Life insurance is a critical financia...
03/11/2026

I've cancelled more insurance policies recently than I've written.

Make no mistake: Life insurance is a critical financial planning tool and essential when others rely on your income. But when you become 'self-insured' meaning your assets now cover your expenses, provide for your future, and support your family you no longer need to pay premiums.

About 1% of life insurance policies are ever used. In those cases, it is absolutely critical, which is why we recommend it when you have others who depend on your income. Building wealth is far more likely to benefit you (and your beneficiaries) than a policy ever will, and that is why we must focus most of our resources on investing rather than paying insurance premiums.

Two of my favorite days for my clients are the day they retire and the day they cancel their life insurance. It means we've worked the plan, and now their own wealth is their backup plan.

Let's work a plan to get you out of paying for insurance! Financial freedom is for every family.

"Spend less than you earn."Sounds familiar, sounds smart… it's about as useful as using a knife to eat cereal. The advic...
03/04/2026

"Spend less than you earn."
Sounds familiar, sounds smart… it's about as useful as using a knife to eat cereal.

The advice isn't wrong it's vague and not actionable.
If you're making $150k and spending $140k, congrats… you're probably not going to achieve financial freedom. Without a real plan for the gap, that surplus usually disappears.
What actually moves the needle? A plan, and your rate of savings.
For most people building toward financial freedom, aim for at least 20% of gross income into long-term growing assets (not emergency funds or low-yield accounts).

High earners or those with shorter peak windows? Push toward 30–40%. Quick reality-check process I run with clients:

1.)Nail down real take-home pay (after taxes—gross numbers lie)
2.) Get honest about lifestyle costs
3.) Calculate what's left
4.) Target that 20% savings rate. Even if you cant hit it we need to know what that monthly number is.

Project it out:
A.) When could your CURRENT savings rate result in you assets cover your life without needing to work?
B.) When could the IDEAL (20%+) savings rate result in your assets cover your life without needing to work?
Now you know.

If the math doesn't work yet, either trim lifestyle, grow income, or adjust the goals. All three are fair game.
"Spend less than you earn" is the opening line, not the whole story.
The goal is purposeful cash flow + consistent investing so every family gets the freedom to choose what's next.

Set 30 minutes with me to go through this exercise. Its fun, and easy and best of all, free.

01/26/2026

Hi there investors! Here are some fresh details on saving for your kiddos in 2026.

Expanded 529 plan benefits for K-12: The annual withdrawal limit for K-12 expenses jumps to $20,000, now covering curriculum materials, test fees, tutoring, dual-enrollment courses and more.

New career and credentialing options: 529 plans now cover workforce training programs, industry certifications and continuing education.

Introduction of Trump Accounts: These new tax-deferred accounts allow families to contribute up to $5,000 annually in after-tax dollars for children under 18, with $1,000 in government seed money available. At age 18, the beneficiary becomes owner, and accounts convert to Traditional IRAs and function primarily as long-term retirement savings, not flexible education tools like 529 plans.

11/06/2025

Embrace volatility.😎

10/24/2025

For high earners, maxing out retirement contributions may still fall short of the savings needed for financial independence.

Retirement accounts offer tax deferred growth and deductions, which is valuable, but investing in non retirement accounts provides greater flexibility since you can access funds anytime without penalties or age restrictions.

Non qualified accounts also allow gains to be taxed at long term capital gains rates, often lower than ordinary income tax rates, making them more tax efficient for certain investments.

If you've done the "back door Roth" and maxed your 401k or SEP IRA. Open a taxable brokerage account and set up automatic monthly transfers just like your retirement accounts to build wealth with freedom. Don't be afraid to invest in non-retirement accounts!

Address

1401 S Taft Avenue Ste 102
Loveland, CO
80537

Telephone

+19702159517

Website

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