Tony and Julie Ramirez

04/26/2024

04/25/2024

Did you know that the dividends paid by life insurance and the dividends paid by stocks are not the same thing???
Dividends from stock ownership are income created by a profitable company passed along to shareholders simply for owning the stock.
Dividends on a life insurance policy are just a partial re-payment of an up charge added to your premium when you select to “participate in dividends”.

Since mutual type insurance companies are the only companies that pay dividends and they are owned by the policy owners they are literally returning to their policy owners pay portion of a fee and representing it as income.

It’s the equivalent of you giving me $100 every month and I give you back $50 and tell you you’re making money.
If you have one of these types of policies that builds cash value we need to talk. Do not take the word of an insurance agent. You need to understand the document you signed because that contract and that contract alone is what determines how your policy works.

04/21/2024

Copied from a friend

In 1929 the stock market crashed 90%
In 1973 the stock market crashed 50%
In 1987 the stock market crashed 35%
In 2008 the stock market crashed 55%
In 2020 the stock market crashed 35%
And recovered to all-time highs each and every time.

Since 1926, the stock market has returned an average ~ 10.5% per year.

Never let short-term fear control long-term decisions.

Why do people go shopping on Black Friday?

Do you look to buy a home when prices are at record HIGHS or when they DROP?

When the market dips, is it bad? No!
Start getting excited about not TIMING the market but TIME IN THE MARKET

Ever wanted to understand what they mean when they say buy low, sell high? 😎

Because dips = discounts
Knowledge is powerful
Applied Knowledge will change your LIFE

04/05/2024

Here’s 3 inexpensive things you could do to start building a solid financial foundation:

✅ take $50-$100 and set up income protection for you and your family!

✅ take another $100 and start a Roth IRA. Let compound interest do its thing 📈

✅ If you have another $124 , I can show you how to get a state license and add an extra $500-$1,000 + to your monthly income and go on more vacations with your family.
Don’t talk about it- be about it! I’m here to help whoever wants the help 👏🏽🤩

Let’s make that money work for you!

04/01/2024

Interested in tax free retirement options for yourself or your business? Reach out for free consultation.

03/27/2024

Did you know you can book an appointment with us directly through calendly? Need a specific time or day? Reach out to me directly. We have zoom and in person appointments! ❤️💵🆓

Welcome to my scheduling page. Please follow the instructions to add an event to my calendar.

03/21/2024

There are an estimated 29.2 MILLION forgotten 401k accounts in the US w/ over $1.65 TRILLION in them! 😳🤯😱

If you have left a job & think you may have left your 💰, reach out to me and my team can help you locate, understand, and reclaim those assets! Let’s get YOUR money back ASAP!

02/18/2024

02/10/2024

Any IUL agents selling that stuff to clients will only be getting exposed and yelled at by their clients in the next 5,10,20 years when tragedy strikes… and they’re at the funeral home.. and they realize they don’t get both the cash value and the death benefit…
Or that it doesnt pay out… and they realize they dumped so much money into a policy for nothing! 🥹

I never want those death claim calls but I KNOW any client we help WILL in fact get the check their family deserves! 💗 we have the FASTEST payout! We do what’s right 100% of the time!!! We have a 47 year track record! I know in fact if I pass tomorrow my husband will get a 1.8 million check within that week!
Proud to represent the BEST life Insurance Company In the Industry! Don’t even get me started on how AMAZING our living benefits are! 🥰❤️

*this photo is from another agent

02/08/2024

TIP OF THE DAY:

Life insurance through your employer should NOT be
the only form of coverage you have.
WHY NOT?:
Insurance through your job is supplemental insurance,
meaning "in addition to" (what you personally own/
should). Employer-offered (group) life insurance is not
portable, meaning you can't take that coverage with
you when you leave your job, whether voluntarily or
involuntarily.
CAN I CONVERT IT WHEN I LEAVE?:
Rarely, there is an option to convert it to permanent life
insurance, but what if you can't afford that option?
What if converting is not an option and your health has
declined, making you uninsurable once separated
from your previous employer?
THE TAKE AWAY:
Insurance through your employer is a benefit, not a
guarantee. Having an individual policy prevents many
pitfalls, because it's something you OWN and have
complete control over. After all, your family's future
isn't the responsibility of your employer, is it? Take
control.
For the month of February I'll be providing FREE quotes
to anyone who has insurance through their employer. If
interested. DM me.