Archive for the ‘Finance’ Category

Dollar Loan Center CEO Chuck Brennan on Appearing in National Security Magazine

In Business, Finance on August 29, 2013 at 1:29 pm

Charles-C-Brennan-Professional-VerticalCEO Chuck Brennan founded Dollar Loan Center in 1998 as a provider of short-term loans. Dollar Loan Center is a division of DLC Empire.  Chuck Brennan and Dollar Loan Center recently earned recognition from Currents magazine, one of the chief security magazines in the world. Chuck Brennan, who currently lives in Las Vegas, NV., speaks about his company’s emphasis on safety and security.

Presentation Solutions: How important is this honor?

Chuck Brennan: Very important. Safety and security are two major concerns with any business—and especially for Dollar Loan Center and the retail lending industry in general.

Presentation Solutions: How many Dollar Loan Center locations are there in the U.S.?

Chuck Brennan: There are now Dollar Loan Center locations in four states.

Presentation Solutions: Where are those?

Chuck Brennan: Stores can be found in Nevada, California, Utah and South Dakota.

Presentation Solutions: What region sees the most business?

Chuck Brennan: The Las Vegas, NV stores have seen the highest volume of traffic.

Presentation Solutions: The safety precautions at Dollar Loan Center must give customers peace of mind.

Chuck Brennan: As the principal provider of short-term credit in both South Dakota and Las Vegas, NV., it is crucial for Dollar Loan Center to operate under an established set of standards.

Presentation Solutions: What went into making Dollar Loan Center a secure place of business?

Chuck Brennan: Store monitoring is a key component to safety measures. This level of security is rare in the retail lending industry.

Presentation Solutions: How are store operations monitored?

Chuck Brennan: The surveillance center was created to monitor each of the Dollar Loan Center locations from a centralized unit so that the security team could view every inch of every office.  We monitor over 1,500 security cameras, 24 hours a day, 7 days a week.

Presentation Solutions: What’s another prominent feature of these security measures?

Chuck Brennan: Each branch is equipped with cash recyclers that count, sort and validate all customer deposits within a safe machine. This machine is only accessible by members of the Dollar Loan Center security team.

Presentation Solutions: What happens if a cash recycler is stolen?

Chuck Brennan: These cash recyclers contain security cameras, tracking systems and alarms. It is virtually impossible for a thief to get away with the crime.

Presentation Solutions: Has this security effort prevented theft?

Chuck Brennan: By using state-of-the-art technology, Dollar Loan Center has virtually prevented theft in all of its locations.

Presentation Solutions: As they say, safety first.

Chuck Brennan: Our greatest objective is to keep both customers and employees out of harm’s way. Thankfully, Dollar Loan Center has proven successful in this challenging endeavor.

Presentation Solutions: Thanks for being with us today, Chuck.

Chuck Brennan: Thank you!

Senior Entrepreneurship Numbers Continue to Increase

In Business, Finance on May 22, 2013 at 3:36 pm

As economic advisers continue to forecast an uncertain future, more seniors are considering entrepreneurship as an opportunity to pursue their passions while taking financial matters into their own hands.

Although entrepreneurship has consistently proven to be a daunting task for professionals both young and old, the benefits of staying with a large company are now fewer and farther between. The potential decrease in Social Security benefits causes deep insecurity with many seniors. Other factors such as dwindling 401(k) accounts, unfair labor practices and job layoffs also account for this anxiety. The personal freedoms associated with entrepreneurship seem attractive. However, senior entrepreneurs who seek to own a business must fully examine their situations before making a big leap.

Entrepreneurship is not quite as simple as just selling a product or service to the public. Responsibilities such as leasing a building, presiding over human resource duties, and preparing payroll are all part of entrepreneurship. Overall, an entrepreneur must meet a need in the community by using a set of resources and talents that no one else offers.

The best strategy for senior entrepreneurs is to start the process gradually. Although no two entrepreneurs are alike, a measured approach ensures that the odds of success are much greater.

Seeking guidance from fellow entrepreneurs and other business professionals will instill a sense of confidence. Potential business builders should identify individuals in their chosen field who have already experienced success and then interview them to glean useful tips and techniques. Family members and friends might provide a wealth of love and support, but only a business colleague with ample experience has the additional knowledge necessary to inspire confident decisions. This trusted collaborator might not always be available for face-to-face meetings, however. Job Shadow, a popular entrepreneurial website, provides a forum where individuals can conduct interviews with industry professionals. Even when beginning a solo venture, the entrepreneur doesn’t have to go it alone.

Motivation and energy are crucial tools in this time-consuming pursuit. However, selecting the proper field is also important to prepare for the journey. Entrepreneurial groups like the Small Business Development Centers and the Service Corps of Retired Executives, as well as other nonprofit groups, give easy access to business consultants and educational courses with little or no fees. Individuals can peruse the Internet for online tools and white papers that possess financial and technological information relevant to their particular field.

Charles Brennan Explains Signature Loans and the Dollar Loan Center Way

In Finance on May 3, 2013 at 1:37 pm
Charles Brennan

Charles Brennan

Charles Brennan is the majority owner, Founder and CEO of Dollar Loan Center, a Las Vegas, Nevada based company offering signature loans to customers in Nevada, Utah, South Dakota, and California.  Charles Brennan explains signature loans in the following Q&A.

Q:  What is a signature loan?

Charles Brennan:  It is a short-term loan used, mostly, in financial emergencies.

Q:  What are some of the ways folks in Las Vegas, Nevada and elsewhere have used signature loans from Dollar Loan Center?

Charles Brennan:  The loans are used mostly to bridge the gap between having a bill due and the timing of a paycheck.  People have used loans for medical bills, rent, and home maintenance emergencies, for example.

Q:  How do people apply for Dollar Loan Center signature loans?

Charles Brennan: They can come in for face to face service at one of our 80 locations. As well, anyone can apply online at any time at

Q:  How does one qualify for a signature loan?

Charles Brennan:  To qualify, recipients go through an application process and must have steady employment.

Q:  What about bad credit?

Charles Brennan:  Dollar Loan Center has a loan product for everyone, even those without stellar credit.

Q:  Does it cost anything to get a signature loan from Dollar Loan Center?

Charles Brennan:  There are no upfront or processing fees; the recipient only pays interest charges for how long they have the loan out.

Q:  How much interest does the loan recipient pay?

Charles Brennan:  The amount of interest varies by the individual and the size of the loan, but it is accrued daily and is never compounded.

Q:  What if a borrower repays the loan early; do they still pay interest charges?

Charles Brennan:  Absolutely not.  Interest payments end the day the loan is repaid.  Dollar Loan Center wants to help people avoid the debt treadmill.

Q:  Does a borrower go through the same application process for additional loans?

Charles Brennan:  If the borrower’s information in the Las Vegas, Nevada based Dollar Loan Center system is current within the last 12 months, they do not have to go through the application process again to get approval for additional loans.

Q:  How does the signature loan at Dollar Loan Center differ from typical payday loans?

Charles Brennan:  The Dollar Loan Center signature or short-term loans rely only on a borrower’s promise to pay; Dollar Loan Center does not require any other collateral and does not hold post-dated checks.

Q:  How does Dollar Loan Center mitigate that risk?

Charles Brennan:  Dollar Loan Center is diligent in reviewing potential borrowers and collects interest that is higher than a secured, bank loan.

Q:  Is this type of signature loan popular with customers?

Charles Brennan:  Certainly!  We have had over 2,000,000 people apply for loans at Dollar Loan Center and most of them by referral from other customers.  Last year in 2012 we processed an average of 721 loans per DAY!  Our customers love Dollar Loan Center as much as I do.

Charles Brennan is a Las Vegas, Nevada based entrepreneur, finance expert and philanthropist.  Along with his wife, Charles Brennan co-founded Clark County Collection Service, one of the fastest growing companies in the U.S., according to Entrepreneur Magazine. The couple resides in Las Vegas, Nevada.

Dennis Dachtler, Sacramento Consultant, Outlines Four Key Phases of Retirement

In Finance on January 7, 2013 at 11:38 am
Dennis Dachtler Sacramento

Dennis Dachtler Sacramento

In today’s one on one chat with the staff of Presentation Solutions, Dennis Dachtler, Sacramento based financial consultant, speaks of planning early and alleviating boredom after leaving your Nine to Five.

Presentation Solutions: Thanks for joining us today. Retirement is a hot issue. What do you say to young folks just starting their career that haven’t gone grey enough to think about planning ahead just yet?

Dennis Dachtler, Sacramento Wealth Planner: I tell them to start now. And I always means now as in right now.

Presentation Solutions: So, the sooner you begin to build a nest egg, the better? Why not wait until you have extra money to save?

Dennis Dachtler, Sacramento Wealth Planner: If you wait until you think you have the extra money, you never will. Start now! By putting away even a small percentage, you will help cushion your golden years.

Presentation Solutions: We understand that you say there are four main stages to retirement. What are they?

Dennis Dachtler, Sacramento Wealth Planner: Pre-retirement, early retirement, full retirement, and final retirement.

Presentation Solutions: Can you go into detail a bit about each stage?

Dennis Dachtler, Sacramento Wealth Planner: Pre-retirement is essentially the planning stages. This is when you decide what you want to do and how much you will need to do it.

Presentation Solutions: Leading to early retirement…

Dennis Dachtler, Sacramento Wealth Planner: This initial active retirement stage is when people are the most active. This is the part of retirement that should be the most enjoyable…it can also be the most expensive depending on how long you are able to get up and go. Many new retirees get bored. I recommend a part time job during this stage to not only supplement savings but to also help ward off boredom.

Presentation Solutions: So, early retirement is different from full retirement?

Dennis Dachtler, Sacramento Wealth Planner: In my book, yes it is. Full retirement is the relaxing stage. You are still able to take care of yourself but do so at a slower pace. This is the time to get out and meet other people of a certain age to enjoy the local scene…a social group, a book club, that sort of thing.

Presentation Solutions: Which brings us to final retirement.

Dennis Dachtler, Sacramento Wealth Planner: This is commonly the part when health and mobility become an issue. Most adults at this time begin to really think about either moving in with family or entering an assisted are facility.

Presentation Solutions: So, how hard is it to plan for retirement?

Dennis Dachtler, Sacramento Wealth Planner: It can be tough for many Americans. Stocks, bonds, insurance…it can be confusing. I definitely recommend using the services of an experienced retirement planner like Dachtler Wealth Management to help organize and manage your assets.

For more information about Dennis Dachtler, Sacramento area wealth planning, or to inquire about insurance products, visit


Securities and investment advisory services are offered solely through Ameritas Investment Corp. (AIC).  Member FINRA/SIPC.  AIC and Dachtler Wealth Management are not affiliated.  Additional products and services may be offered through Dennis Dachtler, Heather Dachtler or Dachtler Wealth Management that are not offered through AIC. The opinions and views stated in this publication are solely those of Dennis Dachtler and Heather Dachtler and should not in any way be considered to be an endorsement by Ameritas Investment Corp.

This is not an offer of securities in any jurisdiction, nor is it specifically directed to a resident of any jurisdiction. As with any security, request a prospectus from your Registered Representative. Read it carefully before you invest or send money.  A Representative from Dachtler Wealth Management will contact you to provide requested information.  Representatives of AIC do not provide tax or legal advice. Please consult your tax advisor or attorney regarding your situation. Securities products are currently limited to residents of AL, AR, AZ, CA, CO, FL, GA, IN, KS, LA, MN, MO, NC, NE, NM, NV, OR, PA, TN, TX, UT & WA.



Dennis Dachtler – Advice as Taxpayers Prepare for Proposed Major Tax Changes

In Finance on November 19, 2012 at 9:30 am
Dennis Dachtler

Dennis Dachtler

Dennis Dachtler has seen the proposed changes to tax laws for 2013, and he’s passing this information onto his clients. Tax season is just around the corner and it’s important to learn how these changes will impact you. Dennis Dachtler emphasizes that these are only proposed changes and that they could change, especially given that it is an election year. Currently, however, here is what is on the table for 2013.

Capital Gains

Currently, the top tax rate on capital gains is 15%, Dennis Dachtler states, with those in the 10-15% income bracket not currently required to pay long-term capital gains taxes. This income cap is expected to increase to 20%, according to Dennis Dachtler—23.8% including Medicare contribution tax.

Top Dividend

Top dividend tax rates may increase to 44%. This is a substantial increase, Dennis Dachtler notes, as the current rate is only 15%. This is due to the upcoming expiration of the Bush tax cuts, according to Dennis Dachtler. Unless Congress votes to extend those tax cuts, dividends will return to being taxed as income. This will most markedly impact those in higher income brackets, who may see tax increases of as much as 39.6 percent on their dividend income, reports Dennis Dachtler.

Other Investment Incomes

On other investment incomes, investors may see a nine percent increase, going from 35% to 44%. According to Dennis Dachtler, other investment income may include interest, dividends, trade income, or net gains on property, among others.

Estate Tax Exemptions

If someone inherits a home from a deceased relative, that home is subject to an estate tax. Currently, however, Dennis Dachtler explains that if the home is valued at less than $5 million, the new owner is exempt. The new tax laws propose that this exemption drop to $1 million, states Dennis Dachtler.

Medicare Contribution Tax

Another planned change in 2013 will be the Medicare contribution tax of 3.8 percent, which will be levied on specified unearned income. This will largely impact those with investment income that exceeds a certain amount, Dennis Dachtler describes.

As politicians argue about whether or not to impose taxes on the wealthy, middle class, or poor, it’s important to note that taxes impact everyone. Whatever your situation, it’s important to receive sound financial advice before filing your taxes. A professional financial advisor like Dennis Dachtler can work with you and your tax professional to help you review the exemptions and tax cuts that apply specifically to you.  For more information, visit Dachtler Wealth online at


Securities and investment advisory services are offered solely through Ameritas Investment Corp. (AIC).  Member FINRA/SIPC.  AIC and Dachtler Wealth Management are not affiliated.  Additional products and services may be offered through Dennis Dachtler or Dachtler Wealth Management that are not offered through AIC. The opinions and views stated in this publication are solely those of Dennis Dachtler and should not in any way be considered to be an endorsement by Ameritas Investment Corp.

This is not an offer of securities in any jurisdiction, nor is it specifically directed to a resident of any jurisdiction. As with any security, request a prospectus from your Registered Representative. Read it carefully before you invest or send money.  A Representative from Dachtler Wealth Management will contact you to provide requested information.  Representatives of AIC do not provide tax or legal advice. Please consult your tax advisor or attorney regarding your situation. Securities products are currently limited to residents of AL, AR, AZ, CA, CO, FL, GA, IN, KS, LA, MN, MO, NC, NE, NM, NV, OR, PA, TN, TX, UT & WA.

Kale Flagg: How to Recruit a Great Sales Organization

In Finance on November 6, 2012 at 7:59 pm
Kale Flagg

Kale Flagg

According to Kale Flagg, it’s not uncommon for a team’s success to be attributed to a couple of extremely talented athletes instead of to a great coach. Proving that argument doesn’t hold water, Kale Flagg points to college basketball. Only a few coaches seem to win the championship year in and year out, he says, with the same handful of coaches in the Final Four each year.

This example isn’t limited to basketball. Kale Flagg says sports are filled with examples of teams with extremely talented players who have little or no success. Take for instance, says Kale Flagg, the NBA’s Washington Wizards in the 1990’s, formerly the Washington Bullets. Even though three of their starting five athletes were NBA All-Stars, the team barely broke .500 and didn’t make the playoffs. Kale Flagg also points to the Dallas Cowboys as an example. After Jimmy Johnson left, the team has never been the same.

Great players don’t win championships, Kale Flagg stresses. Great players in great systems win championships.

Kale Flagg also points to basketball coaches of Final Four caliber—Tubby Smith, Dean Smith, Rick Patino, Jim Calhoun and Pat Summit, to name a few. They are more than just great coaches—they are phenomenal motivators, recruiters, and presenters. But most importantly, they’ve all built great systems.

By studying how these coaches lead their teams to success, says Flagg, we can learn how to be great in our own businesses. Through a lot of sweat, effort and tears, nearly anyone can become a great motivator, recruiter, and presenter—if one builds a great system around it. Kale Flagg advises entrepreneurs to build their team the same way the great coaches in modern history have built their teams…from the ground up. He says that you do this by recruiting.

The lifeblood of a sales team is new talent, new blood. For this reason, a team leader should always be recruiting. Kale Flagg advises businesses to start recruiting by talking to the people that they already know, to either get them involved or to get referrals from them. Eventually, you will be recruiting people you have never met before–not only people who answer an advertisement in the newspaper or on the internet; but friends of friends, who you will meet in restaurants, at coffee shops.   Quality people know quality people—so referrals from successful people are the best source for team members, Kale Flagg insists.  And even random people that you’ll meet on airplanes or sporting events can be valuable.  As Kale Flagg explains it, meeting talented people and getting them to buy into your vision is only the starting point.

To illustrate, Kale Flagg returns to the coaching analogy. When Rick Majerus, who was the basketball coach at the University of Utah in the 1990’s and early 2000’s, recruits a teenager to come to his school, it is only the first step in his system of creating a championship program. Once the new recruit arrives at school, the coach begins to develop a relationship with the new player. Kale Flagg has found that it is one thing to know what you want the new recruit to do—to know that they should practice and study and stay out of trouble—it is quite another to get the recruit to actually do those things. A coach needs to build and maintain a relationship, a trust and rapport with his new arrival. The coach’s future depends on his or her ability to develop the protégé’s talent. The coach has to coach, and getting the athlete to dig deep, to strive, to hunger, and to passionately sprint toward success is the key to good coaching. That’s exactly what an entrepreneur should be doing, explains Kale Flagg.

To get a recruit to strive, the entrepreneur must give him or her a little taste of success. As Kale Flagg points out, there is nothing like getting a hit in baseball, scoring a goal in soccer, or making a basket in basketball to motivate an athlete. The same is true in the “sport” of business. There is nothing like making a sale and receiving a bonus or accomplishing market share to build passion and motivation. Once tasted, people know that success can be theirs. That confidence is everything. It is irreplaceable.

But, Kale Flagg emphasizes, you have to build curiosity, create urgency, and ensure that your new prospect is ready to learn. It is the responsibility of an entrepreneur to create desire–preparing the soil before planting the seed, concludes Flagg.

Kale Flagg is a Reno, Nevada-based entrepreneur who has worked on Wall Street. He currently serves as Chief Operating Officer for Array Asset Management, a firm that oversees utility scale solar arrays and General Partner of the American Redevelopment Fund, a $10mm redevelopment fund that sources, improves and re sells single family residences for profit in the Sacramento and Bay Areas of California.

Joanna A. van der Vant Identifies Additional Areas for Control Points

In Finance on November 5, 2012 at 8:20 am
Joanna A. van der Vant

Joanna A. van der Vant

Joanna A. van der Vant is currently in the accounting department at SOL Property Management, where she handles accounts payable, accounts receivable, budget, and more. In her years of commercial real estate and accounting experience, Joanna A. van der Vant has learned the importance of controls in accounting procedures, whether a company is small or large. Controls help a company stay in control of assets, says Joanna A. van der Vant. Below, Joanna A. van der Vant explains some of the most important controls in the areas of notes payable, revenues, and cost of goods sold.

Notes Payable

Notes Payable is part of the acquisition of a new company. As Joanna A. van der Vant explains, this process is usually so closely guarded by the CFO that controls aren’t required, but there are still a few measures companies can take to safeguard the notes payable process.

The terms of all new borrowing agreements should require approval, Joanna A. van der Vant advises, paying particular attention to the interest rate and collateral. Borrowings and repayments should also require supervisory approval, Joanna A. van der Vant says, with large borrowings requiring the approval of the board of directors.


The most important factor in this category is the invoicing of shipments, according to Joanna A. van der Vant. Delays in this area can lead to a lag in revenue, which can lead to problems with a company’s liquidity, Joanna A. van der Vant adds.

For businesses, it’s important to have a shipping log that is regularly compared to the actual billings. Also, companies should ensure that any discounts a customer recorded on an invoice were authorized. Joanna A. van der Vant also advises that policies should be put in place requiring any samples sent to be logged in the shipping log.

Cost of Goods Sold

It can be easy to lose control over this part of the process because so many employees are often involved in the process. Joanna A. van der Vant recommends reviewing the estimate for a project and determining why they exceeded the anticipated cost, if applicable.

Joanna A. van der Vant stresses that all purchases should be preapproved, with purchases rejected that do not have this authorization. When items are received, they should be required to have a corresponding purchase order in order to be received. By controlling purchasing at every phase of the process, Joanna A. van der Vant has found that it’s far less likely that items can be ordered without following the proper protocols.

While some of these controls may seem complex, Joanna A. van der Vant emphasizes that having systems in place to prevent fraud can better ensure everything runs smoothly.

Jeffrey Kale Flagg | Why it’s Okay to Rock the Boat

In Finance on October 15, 2012 at 1:24 pm
Jeffrey Kale Flagg

Jeffrey Kale Flagg

In 2009, Jeffrey Kale Flagg co-founded Eternity Medicine Institute. Eternity, an innovative and pro-active medical institute, equips clients to stay healthy with state of the art diagnostic & therapeutic programs.  Flagg was the co-founder and COO of Stable Development and is currently the Chief Operating Officer of Array Asset Management, and the General Partner of the real estate development fund American Redevelopment Fund, LP.

Do yourself a favor, says Jeffrey Kale Flagg, don’t get caught in the same trap as 90% of the population.  Instead of doing the same thing day in and day out expecting to accomplish a different result, suggests Jeffrey Kale Flagg, change your actions so that you can change your results.  Many of us, says Flagg, have heard insanity defined as “doing the same thing, day in and day out, expecting a different result.” Yet how many people do you know, asks Flagg, that complain every day about what they do for a living, then go right back the next day and do the exact same thing?  Do they want to be unhappy, broke and miserable?  If they don’t, asks Jeffrey Kale Flagg, why do they keep doing the things that make them unhappy, broke and miserable?

Queries Jeffrey Kale Flagg, “Why isn’t everyone happy?  Why isn’t everyone in the career of his or her dreams?  Why isn’t everyone financially successful?”  According to Flagg, everyone would like to be happy, fulfilled and loved—so why don’t they take the steps to insure that this becomes their reality?  The reason he hears most often, reports Jeffrey Kale Flagg, is that “they would if they could.”  Flagg does not buy that excuse.  He says that too many people don’t even try. Jeffrey Kale Flagg believes that it is not the lack of skill that prevents success and it is not the lack of opportunity either.  It is the lack of effort and the lack of Getting Started.

If that is true, asks Jeffrey Kale Flagg, then why don’t people try?  Is it because they are afraid of failing?  Is it because they are afraid of what people will say about them?  Or is it because they are afraid of success? According to Jeffrey Kale Flagg, it is probably all of these things and one more. People are afraid of change. Flagg says that change makes most people nervous and uncomfortable because by definition it is different, new and unfamiliar.

The concept, according to Jeffrey Kale Flagg, is similar to moving a boat out of the anchored spot where it has been floating idle its entire life.  The anchored spot is hot.  It has no shade.  It is in the middle of rough water and it makes for a very uncomfortable life.  It is not a good docking station—which is why the boat owner wanted to move it in the first place.  And, says Jeffrey Kale Flagg, that is a good decision.  There are other resting places that are better, more comfortable, and safer and more rewarding.  But, points out Jeffrey Kale Flagg, when you start the boat’s engine and move, you are going to create waves.  Now that doesn’t mean that you shouldn’t move, says according to Jeffrey Kale Flagg, you absolutely should.  What it means is that you shouldn’t be surprised when people yell out trying to get you to stop making waves.

It’s the same way in business, according to Jeffrey Kale Flagg. Making waves isn’t necessarily a bad thing—it is simply reality.  Once you understand that other people don’t want you to move even though better options are available, says Jeffrey Kale Flagg, that should be a huge motivator for you to never stop moving your boat—to never stop trying to improve your life. Q&A: Customer Edge

In Finance on August 29, 2012 at 6:00 am has won awards and recognition for its stellar customer service, and now the company is taking it even further with the Customer Edge program. Since the initial announcement, has been fielding questions from customers about the new program. Here are a few of the most common inquiries receives about this exciting new opportunity.

Q: How do I qualify for the home rebate?

A: The first step is to register for the Customer Edge program at The customer will then be connected with a representative, who can help him or her find a qualified real estate agent.

Q: What is the rebate amount?

A: If a Customer Edge member buys or sells a home through one of the program’s brokers, that member will receive a 20 percent rebate on the commission earned by that broker. On a $100,000 house that’s $600. A $500,000 home would merit a $3,000 rebate.

Q: What if my home sells for less than $100,000?

A: A home must sell for at least $90,000 to qualify for the Customer Edge rebate. The closing must also be with

Q: I understand Customer Edge members also get a discount on moving vans?

A: Thanks to our Customer Edge program, is now able to offer volume discounts on moving vans and movers through United Van Lines. Customer Edge members also receive discounts on SAM moving storage containers.

Q: What other discounts do Customer Edge members get?

A: Customer Edge offers discounts to clients on home and auto insurance through our partnership with Liberty Mutual.

Q: There are also some future benefits coming up, right?

A: That’s correct. will offer Customer Edge members a unique service where all utilities can be connected through just one point of contact when a customer moves. This benefit isn’t available yet, but it’s coming soon.

Q: Is there a fee to join Customer Edge?

A: Not at all. Just visit the website at and sign up. Once a customer has registered, a representative will be in contact shortly. can also help customers register at our Dallas-Fort Worth office.

Q: Once I’ve closed on my home, how will I get my rebate?

A: Contact your Customer Edge representative to report that your closing is complete. Within thirty days, you’ll receive a check in the mail.

For more information, visit online at
4100 Alpha Rd,
Dallas, TX 75244
NMLS# 137773

Douglas Andrew Explains the Best Route to Financial Success

In Finance on August 24, 2012 at 2:39 pm
Douglas Andrew

Douglas Andrew

Douglas Andrew is often called upon to explain his Laser method of securing wealth—liquidity, safety, and rate of return. In his experience, Douglas Andrew explains, maximum funded tax-advantaged life insurance contracts provide all three. It’s important that they be structured correctly, as outlined in Douglas Andrew’s Missed Fortune books and workshops. Douglas Andrew recently spoke to Presentation Solutions about the best way to structure policies.

Presentation Solutions: Explain what you mean by “maximum funded.”

Douglas Andrew: I like to use the analogy of a five-story building. If someone owns a five-story building, but only keeps the first couple of floors rented, that person may have trouble meeting his or her overhead.

Presentation Solutions: So the goal is to rent out all five floors.

Douglas Andrew: Which, in this case, would translate to funding your life insurance contract at the maximum amount allowed.

Presentation Solutions: But a person can’t do this all at once, right?

Douglas Andrew: Under the tax laws, the money must be built up gradually. The goal would be to rent out the first floor then, over time, the second floor and onto the third.

Presentation Solutions: How long should this process take?

Douglas Andrew: It depends on the person’s age, but by the fifth year, the person really starts to see results. I just tell our clients to be patient those first few years.

Presentation Solutions: What if someone is too old to take out a life insurance policy?

Douglas Andrew: I have clients in their sixties and seventies who do this.

Presentation Solutions: Do they have to take out a specific type of plan?

Douglas Andrew: My older clients often will take out a “second to die” or “survivorship” policy.

Presentation Solutions: Do all life insurance companies have these types of policies?

Douglas Andrew: No, only a select group of companies offer these. Missed Fortune helps clients find the best policy for them.

Presentation Solutions: What about your younger clients? Can they go through any life insurance company to do that?

Douglas Andrew: I always stress the importance of choosing the right financial advisor. Our wealth architects at Missed Fortune have a specific expertise in this type of funding.

Presentation Solutions: How can individuals learn more about maximum funded tax-advantaged life insurance contracts?

Douglas Andrew: The quickest approach is to meet with one of our wealth architects.  Additionally, there are many resources, including videos, workshops, and educational materials.  I would recommend someone visit the Missed Fortune website and go from there.

Douglas Andrew regularly conducts workshops in addition to his Missed Fortune books. For more information about Douglas Andrew and Missed Fortune, visit