Life Insurance

For Family Protection

Most people realize that life insurance can protect a family from the financial hardship caused by the premature death of the income earner(s). Beyond that, there are many decisions to make, including type of insurance to select and amount of insurance needed, as well as which company and product to choose. OJM team members can provide the information to help clients make educated decisions in these areas.

As an Asset Class

Permanent (cash value) life insurance is an asset with unique wealth accumulation attributes. When structured properly, life insurance may offer tax benefits, asset protection qualities, and principal protection in ways that other asset classes cannot match. Our team has helped educate clients to better understand this asset class and how it might play a role in their overall wealth plans.

ARTICLES

roth ira piggy bank calculator
Bob Peelman

Backdoor Roth IRA Strategy

Tax diversification is a planning concept that we stress in our books, and in our…

VIDEOS

stethoscope calculator
Webcasts

Reopening Your Practice

Taking a look at the financial side of reopening your practice during COVID-19? In our…

PODCASTS

municipal bonds in your portfolio
Andrew Taylor

Are Municipal Bonds Safe for Your Diversified Portfolio

OJM Wealth Advisor Andrew Taylor, CFP® responds to questions OJM has received about the safety…