We all know that it is not uncommon for one spouse to be the primary decision-maker when it comes to managing a couple’s money. But this approach can have consequences. One major consequence is if the spouse with the hold on the couple’s financial situation becomes incapacitated or dies, the other spouse may find themselves […]
We frequently receive inquiries from family members of decedent owners of various insurance products where there is a disconnect between their impression of who the owner of the policy wanted to be a beneficiary, and who, in fact, ended up becoming the beneficiary. So, we thought to address that topic briefly in this commentary. While
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1249 Whitewater Avenue
Saint Charles, MN 55972
1530 Greenview Drive SW #114
Rochester, MN 55902
306 Main Street #7
La Crescent, MN 55947
1176 Frontage Road East #1
Owatonna, MN 55060
1817 State Highway 9, Suite 4
Decorah, IA 52101
*Our fixed products are backed by the claims paying ability of the carrier. **Our fixed products offer a reasonable rate of return, over time.
Justin Mundt is an Investment Advisory Representative of Realta Investment Advisors, Inc. Investment Advisory Services are offered through Realta Investment Advisors, Inc., a US SEC Registered Investment Advisor, 1201 N. Orange St., Suite 729, Wilmington, DE 19801. Realta Wealth is the trade name for the Realta Wealth Companies. The Realta Wealth Companies are Realta Equities, Inc., Realta Investment Advisors, Inc., and Realta Insurance Services, which consist of several affiliated insurance agencies. Advisory services offered by registered individuals through Transce3nd, LLC, a SEC registered investment advisor. Transce3nd, LLC and Mundt & Associates are not affiliated entities.
Compensation received by licensed insurance agents for the sale of fixed annuities and other insurance products are separate and distinct from fees charged for advisory services. Insurance products also contain additional fees and expenses. All insurance and investment strategies have the potential for profit or loss. Always consult with a licensed insurance professional who is qualified to evaluate your specific circumstances and to offer a professional opinion with respect thereto. Annuity guarantees are subject to the claims-paying ability of the issuing insurance company. If you withdraw money from or surrender your contract within a certain period of time after investing, the insurance company may assess a surrender charge. Withdrawals may be subject to tax penalties and income taxes.
