Celebrating 30 Years, Has Anything Changed?

I recently celebrated my 30th Anniversary in this business. It’s actually been a lot longer, but I don’t count my years as a commodity broker.


Are Your Kids Going Off to College this Year?

If you have a child going off to college this fall, and they are over the age of 18, don’t say goodbye until you have taken a simple step to avoid potential disaster.


What the Raising of Rates by the Fed Means to You

At last week’s meeting of the Federal Reserve Board, they announced that they would be increasing interest rates for the second time this year and that they intended to increase rates 2 more times before the year is over. That would be a total of 4 increases, instead of the 3 that were anticipated by Wall Street. Considering how long we have lived in a super low interest rate environment, many people are worried that rising rates will undermine our economy and be a catalyst for drops in the stock, bond and real estate markets.

, ,

How to Safeguard Your Retirement Savings

In 2017 I heard from more clients, associates and friends about being scammed or nearly scammed. Over the past three or four months, there has been a major increase in scams, viruses, ransomware attacks and identity theft schemes. Given the current state of affairs, I would expect there to be many more, and more sophisticated, threats to surface in the upcoming year. Those who take a few minutes now to plan and protect what you have worked so hard to create, will likely safeguard their wealth from the variety of threats out there.


What Do The California Wildfires Have to Do With Risk Management?

Roger GainerRoger holds the coveted and well-earned designations of Chartered Financial Consultant (ChFC®) and Retirement Income Certified Professional (RIPC®) from the American College. He is also a licensed insurance agent for life and health insurance and a Certified Paralegal for Estate Planning.

What You Need to Know About the Equifax Hack

From May through July of this year, Equifax, one of the three major credit reporting agencies, was hacked and an estimated 143 million American consumers sensitive personal information was exposed in a data breach. For most, their name, address, social security numbers, dates of birth and, for some, their driver’s license number.


Understanding the Power of Compound Interest

Albert Einstein once said that compound interest is the eighth wonder of the world. What he was referring to was the nearly magical way that, given enough time, compounding can grow your money powerfully and consistently.

, , ,

How to Understand What is in Your Mutual Funds Account

Mutual Funds are one of the most popular tools in use today for people who want to invest. They are convenient, liquid, professionally managed, diversified and perceived as “simple.” While much of that can be true, do you understand what the cost is for that convenience? For that matter, do you have any idea what you are actually investing in?


Celebrate Your Personal Independence Day

I hope you enjoyed your Independence Day holiday. As I was tending the barbecue and getting ready for our guests to come and celebrate the holiday with us, I started thinking about Independence Day and what it represented. Even though we like to barbecue, get together with friends and of course, see fireworks, there is a lot more to Independence Day than that. It is our nation’s birthday, the day we stopped being controlled by the British, the day we tangibly celebrate the right to control our own decisions about our future! We celebrate our right to envision, plan, and create the future that we aspire to.

, ,

What Does it Take to be Happy in Retirement?

Here at Gainer Financial and Insurance Services, Inc. we are dedicated to helping our clients create and enjoy a happy, fulfilling, and successful retirement for themselves. We help you eliminate the question marks in your life that could destroy that security and enjoyment. From wealth building to legacy planning there are a laundry list of issues that must be considered and planned for in order to enjoy that kind of worry free retirement.