Brent D. Gardner, CLU, ChFC

Indexed Universal Life insurance can be used to provide a Tax Free Retirement, a policy with lifetime protection at a lower cost than whole life, or as an alternative to traditional Long Term Care insurance.

If you haven't filed your tax returns yet, there are some last-minute strategies that can reduce your tax bill.

At around $22.5 trillion, the United States national debt sits at 106 percent of Gross Domestic Product (GDP). There is no disputing that this gigantic debt will someday become due and payable. However, there is hesitation among the political class as to what must be done to pay down and eliminate this debt.