• Retirement Income Planning

    The most critical time in our financial lives comes when we retire and face years of living on Social Security, pension and assets put aside for this purpose.
    Continue reading…

    Slider 3 Retirement Income Planning
  • Long-Term Care

    “Most men’s consideration of long-term care consists of 30 seconds of denial”
    Ed Harris, noted LTCi expert.

    Continue reading…

    Slider 2 LTC
  • Life Insurance

    Life insurance is probably the least understood of products in the world of personal finance.

    Continue reading …

    Slider 1 Insurance

Who and Why We Are Safe Money Monitor

iStock_000015122897 Q & ASafe Money Monitor was created by experienced financial professionals who recognized the need for straight answers regarding the value of insurance-based strategies and products in the context of holistic financial planning.

In the realm of personal financial planning, every strategy and every product has its advocates and its detractors who can expound at length why their perspective is correct and why their favorite product is the one that should be chosen for its unique qualities and benefits. Read More...

Concern Box

As seen in the Media

Watch some clips from our appearances on the Ray Lucia Show

Today we discussed longevity risk, rate-of-return risk and stupidity risk when planning retirement income. I stressed that we are reaching a peak in annuity design and value. Soon there will be a new mortality table that will cause annuities to be repriced due to the need to commit for longer life expectancy. Best to start planning your annuity now and lock in the outstanding features and benefits available today.

Click here to view

Opt Retire Inc

Featured on the Ray Lucia Show
Request your FREE copy of the Optimizing Retirement Income

Click Here

Up Close and Personal

A shared testimonial that speaks to the "why" and the "when" for any family.


  Suze Orman also shares a story. Suze Orman is a successful spokesman for financial planning, sold many books on the subject and is respected by many. Some of the things that Ms. Orman discusses in her books and presentations I find to be simplistic and contrary to my opinion. However, because of her own special experience with her aged mother and the seriousness and expense of long-term care, I must agree with her on this subject. As a matter of fact, my own 93 year old mother is about to move into an assisted-living facility. One of the differences between my situation and Suze’s is that I purchased a long-term care solution for Mom many years ago; and now long-term care for her will not be quite the financial burden that others must face. I invite you to view this 2 minute video and hear some words of wisdom from Suze. Then contact me to discuss strategies that are much more appealing than Suze’s mom faced many years ago.  
Linked-Benefit Life Insurance for LTC We have been asked so many questions about the many benefits of Linked Benefit Life that we thought a brief video would help explain the basic idea. Your benefits may vary based upon your age and health.  



Now, at last, a place you can go to get a non-biased second opinion on recommendations made by sales reps and/or financial advisors.

Considering the purchase of an annuity, life insurance policy or long-term care insurance? We can evaluate the product for you against your specific needs and goals and provide:
• Specific comments on features of the product or strategy in question.

• Questions to ask your “advisor” that require satisfactory responses before you move forward.
• Comparison of your recommendation with other options based on costs, benefits and carrier strength.

• Suggestions to take to your advisor for alternative products and strategies.

Simply go here to download a questionnaire, fill it out as completely as you care to and email it to us at Info@safemoneymonitor.com along with any scanned material you are considering. Our experienced advisors will review and evaluate your situation and provide you with helpful insights allowing you to develop a higher degree of confidence in your final decision.

Insurance Strategies

benefits conceptual meterLife insurance is probably the least understood of products in the world of personal finance. Few people, advisors and clients alike admit to understanding them completely and common opinions are that they are expensive and should only be acquired when the need is obvious.

But there is a reason that the insurance companies continue to prosper. In spite of criticism from the media and from most investment advisors, their products provide true and predictable value with guarantees unavailable in any other financial instrument. Once clients are properly informed and their objectives are defined, insurance products often rise to the level of most prominent choice. Read More...

Long-Term Care Risks


“Most men’s consideration of long-term care consists of 30 seconds of denial”
Ed Harris, noted LTCi expert.

The least palatable to discuss, the most critical to plan for, long-term care is the elephant in every retiree’s room who have yet to formulate a plan for providing care when the time comes.

Government and industry statistics all agree that over 70% of American retirees will require care for some period of time in their life. The average length of time for that care to be provided is 30-40 months. And the cost is greater or less depending on where and how care is provided. But one thing for sure, the risk is great that it will eventually take an emotional as well as a financial toll on the family and the estate. Read More...

Retirement Income Planning

iStock_000019441426 NewspapersThe most critical time in most of our financial lives comes when we retire and face years of living on Social Security, our pension (if any) from our employer(s) and the assets we have put aside for this purpose. The two most critical issues are; ‘
• Will it be enough?
• Will it last as long as we do?
The creation and maintenance of a financial portfolio is totally different for someone who most live off of those assets versus someone who is still in the process of accumulating them. For the accumulator, time is his friend. For the spender, time can be the enemy; the unknown quantity that must be considered in each investment and withdrawal decision. The greatest asset to address the longevity issue for most Americans is Social Security, the ultimate pension plan, guaranteed by the federal government to pay monthly income for as long as you live. Read More...