Waze To Wealth at Southard Insurance Services, LLC

04/21/2026

Is it really yours? Or is it THEIRS?

THE IRS (yes, it's theirs!)

04/07/2026

Latest golive between myself and Anthony...
https://www.instagram.com/p/DW2InZ3Ej6u/

03/31/2026

03/26/2026

Yesterday's interview with Anthony Enriquez ...

02/18/2026

Last year's IUL policy crediting rates per month. *Note, in addition to these listed rates, there was an additional 10% enhancement. So the 4/25/23 segment received 10.62% + 1.062% for the money in that segment.

Want to learn how to use an IUL for wealth building? Schedule a free introductory call: https://calendly.com/southard/iul-intro

02/17/2026

Forever make money on money you spend!

02/15/2026

After 35 years in tech, I’ve learned this: the biggest things in life aren’t loud — they’re rooted. I’ve been quietly developing something for high earners who want stability that outlasts market cycles. Interested? reply: Waze

02/09/2026

Will Medicare pay for long-term care at home or in a facility? Most people are surprised by the answer.
Medicare is not means-tested, but it only covers short-term skilled care—generally no more than 100 days. After that, costs shift to you. And before you qualify for Medicaid covering long-term custodial care, you and your spouse will need to spend-down your assets!

Here’s the real issue:
👉 About 70% of people over 65 will need some form of long-term care
👉 Typically needing years, not months—especially with cognitive disorders
👉 Costs can exceed $8,000–$9,000 per month (I've seen $20,000/month)
Long-term care isn’t a healthcare problem—it’s a retirement risk.
The question is whether your plan preserves choice, or forces decisions later.
🔗 Read the full article at WazeToWealth.com/blog - see link in comment.

The Waze to Wealth goal is to educate and guide you to greater financial success. While some ideas presented here are found elsewhere on the web, we do have some unique offerings which are featured in the blogs below. Hopefully you will be encouraged and even amused by these posts.

12/10/2025

If the market dropped 30% next year, would your retirement timeline survive—or would you have to delay your plans?