Chad Baldosser

03/18/2026

Already contributing to your 401k? Here’s why an IUL life insurance policy is a good next step. Reach out today to learn more.

03/17/2026

Contest time!!

One thing I’ve learned working with families is this:

Most people aren’t bad with money… they just don’t have a clear plan yet.

Helping parents protect their income, grow their wealth, and build a better future for their kids is one of the most rewarding parts of my career.

I’ll randomly choose one person from the first 100 people who drop a comment, like, and share this post to receive a $50 visa gift card! Please help me reach more people, and maybe win some money at the same time!

02/18/2026

If you’re 38–45 and earning strong income, there’s a tax trap almost no one talks about.
It’s called being “401(k) rich.”
On paper, your net worth looks great.
In reality, a large portion of your future retirement income is fully taxable.
Layer on:
• Rising future tax uncertainty
• RMD exposure
• Limited Roth eligibility at higher incomes
• Lack of liquidity before 59½
And you may be building a retirement that’s efficient on the way in… but expensive on the way out.
High earners need more than accumulation.
They need tax diversification.
There are advanced strategies that allow high-income households to create tax-efficient future income outside traditional qualified plans — without the income caps and contribution limits most people run into.
Most executives don’t know how these are structured.
Most advisors don’t model the long-term tax exposure.
If you’d like to see a projection of your future taxable retirement income and where potential gaps exist, send me a message:
“Tax Review.”
Let my team and I show you where you actually stand.

02/05/2026

Life insurance is not an expense… it’s a financial tool.

Most people are taught to think of life insurance as something you pay for, and when you die someone else gets money.

This is true.

But in reality, certain types of life insurance can be used as a financial strategy, not just protection.

Here’s what most families don’t realize 👇
Certain policies can:
• Build cash value over time
• Grow tax-advantaged
• Provide liquidity when life happens
• Be leveraged while you’re still alive

That’s why banks and large institutions do not look at life insurance as a “cost.”
They look as it as a tool—one that creates flexibility, stability, and access to capital.

It’s not about how much money you make.
It’s about how well your money is positioned.

My team and I are ready to help. Message me today for a free financial outlook and evaluation!

08/11/2025

Another successful fair season has concluded. Unsure what to do with your child's 4H project money? Let me show you the advantages of working with Me and Northwestern Mutual. We have options to grow your child's money, AND at the same time, allow them to use that money at any time.

05/16/2025

Thinking of a 529 for your child? Let's talk!

04/11/2025

Tax season is coming to an end. Let me show you how to lower your tax bill for 2025!

Send a message to learn more