Leverage Liquid Assets

Conventional wisdom would have us believe that when we save for some future event (a child’s college education, a wedding, a major home renovation), we should take the money we saved and use it to fund that event.

So the thousands of dollars that had been earning interest are spent, the monthly interest income plummets, and it’s time to start saving again.

In the 21st century, the volatility in interest rates makes the “starting over” in savings a depressing, potentially futile reality.

Instead of draining your savings to fund a major life expense, take control of your liquid assets and leverage them, instead of spending them.

Howard’s philosophy suggests:

  • Instead of pouring money into your house (via a shorter-term mortgage or making extra payments), keep it accessible by saving it.
  • Instead of funding traditional savings vehicles that must be spent for a specific purpose (a 529 college savings plan, for example), keep it accessible — and available for another purpose without penalty — by saving it another way.
  • Instead of avoiding a whole life insurance policy, consider the benefit that comes from knowing the value of that policy is assured — no matter what happens to interest rates or tax brackets.

Take the uncertainty out of your saving strategy. Call Howard Silvermintz to see how this philosophy can let you fund your child’s education without emptying your savings to do it.


Are you setting yourself up to fail?

Is setting money aside for a future event really the best way to prepare for it?

Maybe not.

If you’re concerned about the reality of financial success, ask for a copy of the book The Defining Moment.

Are you ready to take the next step and speak with a financial professional?

For decades insurance has been a necessary evil – a piece of financial protection that wise individuals won’t live without. And while it’s always been considered part of “financial planning”, most of the planning relates to the individual becoming disabled or meeting an untimely death and making arrangements for the family’s financial security if the unthinkable occurs.

Now families, individuals and business owners can add insurance products to their active financial planning tool kits –to improve their lifestyles, to increase their own net worth, and to enjoy life and prosperity even while they plan for retirement.

Learn more about the Circle of Wealth and the positive impact insurance products can have right now — not only when the unthinkable happens.

Discover a new way to look at saving.


Guide Your Business. Protect Your Key People. Learn and Implement The Financial Strategies Of The Wealthy.

InsurAtlanta will help you learn more about Group Health Insurance and Business Continuation Insurance.

Discover A New Way To Look At Saving

    A successful retirement can happen sooner than you think

    InsurAtlanta, Inc., is an Atlanta-based agency advising clients on purchasing health, life, and disability insurance coverage, long-term care coverage, as well as customized plans for their financial future. InsurAtlanta brings more than two decades of extensive experience in long-term insurance and retirement planning for individuals, professionals, small business owners and families.

    InsurAtlanta's Howard is both a Chartered Life Underwriter® (CLU), offering expertise on risk management to clients on topics like financial planning, insurance law, estate planning, and business planning; and a Chartered Financial Consultant® (ChFC), focusing on financial planning disciplines, including insurance, income taxation, retirement planning, investments and estate planning.