10% FDIC Insured Certificates of Deposit. Is it Possible?

It might be possible to earn anywhere between 7.15% and 10.15%. How? The answer is market linked CD’s. What is a market linked CD? They are FDIC insured certificate of deposits that the payments are linked to the performance of a few publicly traded blue chips stocks. They are issued by some of the largest banks in the world. read more

Did you put off saving for Retirement?

Or did you go thru an awful divorce and ½ of your 401k is with your ex?

Most people get out of college, get married, buy a home and have children. As the kids grow, they move to a bigger home. As the kids get older, there are private schools and soccer camps to pay for. And then you are 40 and you wake up and you realize you have not started saving or have not been saving enough for your retirement. Or simply, did you get laid off and you went thru your retirement plan Do you need to catch up? Yes read more

Should you invest past your Company’s 401(k) Match? Probably not!

First, let me explain. I am not telling you not to save for retirement. In fact, most financial planners will tell you to save and invest at least 10% of your income. And according to a Ask the Expert CNN article, you should invest more than 10%. What I am saying is the money past your companies match may be better off in another type of account. And if your company does not match at all, then you might be better off investing outside of your plan entirely. Why? Taxes   read more

Welcome to the first blog post at Universal Financial Group

After launching our new website at www.universalfg.com , we also decided to create a blog. that will provide investment strategies that concentrate on reducing or eliminating the taxes associated with investing. This forum will provide different, creative outside the box strategies when it comes to retirement planning, estate tax planning, college education funding or simply saving for a rainy day,. We specialize in tax efficient growth investments that if properly structured, they will increase your income derived by 25-40%.