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Houston, TX. – Financial Advisor J. Allen Neuenschwander informs life insurance policy holders that they may be paying as much as 70% too much for their life insurance.

The life insurance industry has a standardized pricing system called the Commissioners Standard Ordinary Mortality Rates (CSO).  The most recent study was conducted in 2001.  Prior to this study, the last prices were calculated in 1980.

“Over this 20 year gap, the table represents a 30 percent reduction in policyholder cost,” said J. Allen Neuenschwander, Owner of Outlook Wealth Advisors, LLC. “This reduction could be even higher depending on when your policy was put in place.”

Neuenschwander informs that while the study was done in 1980, the lower prices were not implemented until 1988. Policyholders that bought insurance during the lapsed time period may actually be paying an even higher rate.

“Bottom line, there are a lot of policies that are priced better in the market,” said Neuenschwander. “The best way to ensure against over paying or getting less than you’ve paid for is to get a life insurance policy review completed by a knowledgeable advisor.”

For more information on how J. Allen Neuenschwander can help, please visit www.outlookwealthadvisors.com.

For media inquiries only, please contact Jenn Horner at Jennifer@dnagency.com.

About J. Allen Neuenschwander:

Allen created Outlook Wealth Advisors after a devastating family tragedy. It is one of the few estate planning firms left that has a true fiduciary responsibility to take care of its clients’ interests first, not the firm’s.

Over the years, Allen has passed numerous exams to become a Chartered Life Underwriter (CLU) and Certified Financial Planner™. He has taught financial and retirement planning courses for several Houston area colleges and universities and for employee groups at several Fortune 100 companies. Allen has also served on the investment committee of the Houston Chapter of the Texas Society of CPAs, and on the Board of Directors of the Financial Planning Association of Houston.

A major focus of Allen’s practice is working with retired people and those who are about to retire. He has a CD, “How to Avoid Common Retirement Pitfalls,” that is currently available and has future plans to start working on a book.

Investment Advisory Services offered through Global Financial Private Capital, LLC, an SEC registered Investment Advisor.  Securities offered through GF Investments Services, LLC with principal offices at 2080 Ringling Blvd, Sarasota, FL

Parsippany, NJ. – Financial Advisor Ronald Gelok reaches out to clients and the community to inform them of the benefits and dangers of owning annuities.

Gelok advises that some annuities can be a great “safe money asset” to own.

“Banks sell them, brokerage house representatives sell them, the guy who insures your car can probably sell them, too,” said Ronald Gelok, President & Financial Associate of Ronald Gelok & Associates. “But the real question is, are annuities any good for you, your money and your retirement? And if they are good, who is qualified to find you the right one for your unique retirement planning situation?”

When consumers are considering an annuity, it is essential that they get complete disclosure in order to make an informed decision.

Variable annuities, lifetime immediate annuities and indexed annuities all have their pros and cons that may not be visible to the naked eye.

“Don’t buy into an offer that defies logic,” said Gelok. “A good safe money advisor will know how to ladder annuities and help you find the best option after carefully considering the benefits and costs to each one.”

For more information on how Ronald Gelok can help, please visit www.ronaldgelok.com or call (800) 476-8152.

For media inquiries only, please contact Jenn Horner at Jennifer@dnagency.com.

About Ronald Gelok:

Ronald Gelok, JD is known as the IRA Professor. For over 20 years Ron and his team have been known for making complex retirement planning and tax reduction planning clear and easy to understand. His clients often find that, after working with him they have moved significantly forward in their planning, simplifying their finances and obtaining greater peace of mind about their financial future. Ron has appeared on both radio and television discussing retirement planning problem solving. He is licensed in New Jersey, New York, Florida and Pennsylvania. His new book is due out this fall.

Southfield, MI. – Financial Advisor Russ Jalbert reaches out to clients and the community to inform them of the benefits and dangers of owning annuities.

Jalbert advises that annuities can be a great “safe money asset” to own.

“Banks sell them, brokerage house representatives sell them, the guy who insures your car can probably sell them, too,” said Russ Jalbert, President of Jalbert Financial Group. “But the real question is, are annuities any good for you, your money and your retirement? And if they are good, who is qualified to find you the right one for your unique retirement planning situation?”

When consumers are considering an annuity, it is essential that they get complete disclosure in order to make an informed decision.

Variable annuities, lifetime immediate annuities and indexed annuities all have their pros and cons that may not be visible to the naked eye.

“Don’t buy into an offer that defies logic,” said Jalbert. “A good safe money advisor will know how to ladder annuities and help you find the best option after carefully considering the benefits and costs to each one.”

For more information on how Russ Jalbert can help, please visit www.jalbertfinancial.com.

For media inquiries only, please contact Jenn Horner at Jennifer@dnagency.com.

About Russ Jalbert:

Russ Jalbert, CFP, has been a top financial planner for nearly four decades. During that time, he played an active role in the Reagan Administration and amassed an impressive list of accolades.

America’s ‘Dean of Financial Planning,’ Jalbert now points his clients to the solace of much safer products and approaches, and his record speaks for itself. When the market began its ascent in 2003, Jalbert’s clients were enjoying returns of five to seven percent, growing steadily but not as fast as the market from 2003 to 2007. When the market plummeted in 2008, losing half its value and causing panic, Jalbert’s clients didn’t lose a penny.

As if all of these accomplishments were not enough, Jalbert is also an accomplished radio personality and author. The Jalbert Financial Forum airs on WMUZ 103.5 Saturdays from 2 to 3 p.m.

Jalbert has also written several books covering a wide range of issues. His first book, “Giving: Philanthropy For Everyone,” was published in 2003 and raised $125 million. His most recent book, “Rescue Your Retirement,” offers readers all of the new methods and strategies that are keeping his clients in good fiscal health.

Pittsburgh, PA. – Financial Advisor Matthew Zagula reaches out to clients and the community to inform them of the benefits and dangers of owning annuities.

Zagula advises that annuities can be a great “safe money asset” to own.

“Banks sell them, brokerage house representatives sell them, the guy who insures your car can probably sell them, too,” said Matthew Zagula, President of First Financial Advisors and Bleier Zagula Investments.  “But the real question is, are annuities any good for you, your money and your retirement? And if they are good, who is qualified to find you the right one for your unique retirement planning situation?”

When consumers are considering an annuity, it is essential that they get complete disclosure in order to make an informed decision.

Variable annuities, lifetime immediate annuities and indexed annuities all have their pros and cons that may not be visible to the naked eye.

“Don’t buy into an offer that defies logic,” said Zagula. “A good safe money advisor will know how to ladder annuities and help you find the best option after carefully considering the benefits and costs to each one.”

For more information on how Matthew Zagula can help, please call 1-800-723-0533.

For media inquiries only, please contact Jenn Horner at Jennifer@dnagency.com.

About Matthew Zagula:

Matthew Zagula has been a coach to the nation’s top lawyers specializing in estate planning and elder law, an accomplished financial advisor to his clients, an author, radio personality and founder of several institutes dedicated to providing sound fiscal advice to veterans and seniors for just about the last 20 years.

Zagula’s experience in insurance and financial planning began with Guardian Life Insurance Company and extends through a position with Northwestern Mutual where he acted as a special agent for advanced cases.  Zagula has an extensive background in retirement and estate planning, and executive benefits.

Zagula has been and continues to be at the forefront of many training programs with some of the nations best Elder Law Attorneys and Financial Advisors.

Fort Myers, FL. – Financial Advisor Robert Grace reaches out to clients and the community to inform them of the benefits and dangers of owning annuities.

Grace advises that annuities can be a great “safe money asset” to own.

“But the real question is, are annuities any good for you, your money and your retirement? And if they are good, who is qualified to find you the right one for your unique retirement planning situation?”, says Robert Grace, President of Grace Advisory Group.

“Banks sell them, brokerage house representatives sell them, the guy who insures your car can probably sell them, too,” adds Grace.   However, he points out that variable annuities, lifetime immediate annuities and indexed annuities all have their pros and cons that may not be obvious to the untrained eye.

When consumers are considering an annuity, it is critical that they turn to an experienced professional with the credentials and experience to help them make an informed decision.

“Don’t buy into an offer that defies logic,” says Grace. “A good safe money advisor will know how to ladder annuities and help you find the best option(s) after carefully considering the benefits and costs of each one.”

For more information on how Robert Grace can help, please visit www.gracetax.com.

The Grace Advisory Group is headquartered in Fort Myers with offices throughout Florida (Naples, Port Charlotte, Sarasota, Tampa and The Villages).   The Grace team—of legal, tax, accounting and insurance experts—specializes in building financial plans that emphasize safety while reducing taxes and providing a steady stream of lifetime income.

For media inquiries only, please contact Jenn Horner at Jennifer@dnagency.com.

About Robert Grace:

Robert Grace has over forty years of experience providing estate, retirement and tax planning for individuals. Grace worked as a financial planner for a number of years before pursuing a law degree.

Besides being an attorney, he’s also a Chartered Life Underwriter, a Chartered Financial Consultant, a Registered Financial Consultant and a Certified Financial Educator.

Plano, TX. – Financial Advisor Richard Jordan reaches out to clients and the community to inform them of the benefits and dangers of owning annuities.

Jordan advises that annuities can be a great “safe money asset” to own.

“Banks sell them, brokerage house representatives sell them, the guy who insures your car can probably sell them, too,” said Richard Jordan, Founder of Fortress Estate Solutions.  “But the real question is, are annuities any good for you, your money and your retirement? And if they are good, who is qualified to find you the right one for your unique retirement planning situation?”

When consumers are considering an annuity, it is essential that they get complete disclosure in order to make an informed decision.

Variable annuities, lifetime immediate annuities and indexed annuities all have their pros and cons that may not be visible to the naked eye.

“Don’t buy into an offer that defies logic,” said Jordan. “A good safe money advisor will know how to select the best annuities and help you find the best options after carefully considering the benefits and costs to each one.”

For more information on how Richard Jordan can help, please visit www.fortressestatesolutions.com.

For media inquiries only, please contact Jenn Horner at Jennifer@dnagency.com.

About Richard Jordan:

Richard Jordan is the Founder of Fortress Estate Solutions and has been in the financial field for more than 20 years. Right out of college, Jordan started working with ITT’s corporate financial group, which included Hartford Insurance. In just five years, he rose within the company from district to regional and then multi-stage manager.

Two years ago, Jordan started to share his views on financial planning on the radio. He started at a local station in Dallas and after tripling the audience for the show in six months time, he started doing a show for CBS radio in Dallas for KRLD 1080.

Fortress is one of only 4 percent in the United States that is a pure fiduciary investment advisor firm. The remaining 96% of registered advisors work for or are broker dealers who collect commissions on investment products, which creates a conflict of interest for their clients.  Fortress is strictly fee-based and cannot make more fees if their client doesn’t make more money.

Terry Hawkins, best selling author and enterprise educator, was recently seen on NBC, CBS, ABC and FOX network affiliates around the country as an expert guest on The Brian Tracy Show.

Los Angeles, Calif. – May 28, 2012 – Terry Hawkins, Founder and Owner of People in Progress Global, was recently an expert guest on The Brian Tracy Show.  Best-selling author Brian Tracy, one of the country’s leading business minds, hosts the show that was recently featured on NBC and other major network affiliates across the country.

“The Brian Tracy Show” features an interview format, with Brain Tracy interviewing business leaders and marketing experts from around the world. Terry Hawkins was one of Mr. Tracy’s recent guests, discussing how she is helping others change the way they look and feel about life, through her dynamic, high impact and through provoking presentations.

Terry Hawkins (CSP) is an award winning speaker, award winning entrepreneur and best selling, award winning author.  People In Progress Global, which she founded in 1989, is an industry leader in enterprise training resources with offices in Australia and the United States.  Terry’s dynamic, transformational presentation style and her powerful, action based messages also made her the most in demand speaker throughout Australia for many years and Terry recently relocated to the USA to expand both her speaking opportunities and her dynamic training company.

Terry is the author of several books, including Why WAIT to be GREAT? It’s either NOW or TOO LATE! There Are Only Two Times In Life, Now and Too Late!, Secrets of Inspiring Women (contributor), The Power of More Than One (contributor), 20/20 A fresh Look at Business Growth (contributor) and The Power of Good: True Stories of Great Kindness (contributor).  She is also the author of the Stickman Rules! series of children’s books.

Brian Tracy is Chairman and CEO of Brian Tracy International, a company specializing in the training and development of individuals and organizations. Brian Tracy has consulted for more than 1,000 companies and addressed more than 5,000,000 people in 5,000 talks and seminars throughout the US, Canada and 56 other countries worldwide. As a Keynote speaker and seminar leader, he addresses more than 250,000 people each year.

The Brian Tracy Show was produced by Nick Nanton, Esq. and JW Dicks, Esq. Dicks and Nanton are also the founders and producers of the organization and TV show, America’s PremierExperts®.

To learn more about Terry Hawkins, please visit http://www.TerryHawkins.com

Mike Cheng, owner of Mando Mandarin, was recently seen on NBC, CBS, ABC and FOX network affiliates around the country as an expert guest on The Brian Tracy Show.

Flushing, NY – May 28, 2012 – Mike Cheng is the Founder and President of Mando Mandarin, which specializes in teaching Chinese as a foreign language using web-cams and distance-learning software, by connecting the world to teachers who are located in China. Mr. Cheng was recently featured as an expert guest on The Brian Tracy Show.  Best-selling author Brian Tracy, one of the country’s leading business minds, hosts the show that was recently featured on NBC and other major network affiliates across the country.

“The Brian Tracy Show” features an interview format, with Brain Tracy interviewing business leaders and marketing experts from around the world. Mike Cheng was one of Mr. Tracy’s recent guests, discussing how he has given schools, businesses, and individuals around the world the ability to communicate with or open doors to over one billion new friends, customers, and peers in China.

Mando Mandarin is the #1 online Chinese language school for all ages and all levels.  Founder Mike Cheng is a multilingual Taiwanese-American Internet entrepreneur and real estate developer. He is a pioneering American educator who has connected public and private schools and learners around the world to teachers who are located in China.

Mike regularly travels between New York and Shanghai, while building a Sino-American business network. He believes the world needs more unofficial ambassadors of socio-cultural exchange between nations — those who can build bridges of peace and eradicate barriers to understanding: He says, “When there is understanding between people, there is less room for fear and a much higher chance for synergy and progress.”

Mike has been seen in USA Today, Yahoo!Finance, Morningstar, CNBC, The Boston Globe, The Miami Herald, New York Daily News, Los Angeles Daily News and MarketWatch, among many others.

Brian Tracy is Chairman and CEO of Brian Tracy International, a company specializing in the training and development of individuals and organizations. Brian Tracy has consulted for more than 1,000 companies and addressed more than 5,000,000 people in 5,000 talks and seminars throughout the US, Canada and 56 other countries worldwide. As a Keynote speaker and seminar leader, he addresses more than 250,000 people each year.

The Brian Tracy Show was produced by Nick Nanton, Esq. and JW Dicks, Esq. Dicks and Nanton are also the founders and producers of the organization and TV show, America’s PremierExperts®.

To learn more about Mike Cheng and Mando Mandarin please visit http://www.MandoMandarin.com

More about Mike Cheng:

Mike graduated from the Stern School of Business at NYU with a BA in Marketing. His work has been featured in/on the New York Daily News, NY1 TV News Channel, “The Talk of Connecticut” Radio Show, WIHS Radio (CT), WMMT Radio (CA), and the Chinese World Journal newspaper. He has also been invited as a speaker at American Express and NYU Steinhardt Graduate School of Education. He currently lives in Flushing, NY where he has an interest in politics and aspires to become a community leader. His hobbies are hanging out with his bearded-collie, traveling, learning foreign languages, martial arts, and basketball.

Dr. John T Moranville, MD was recently seen on NBC, CBS, ABC and FOX network affiliates around the country as an expert guest on The Brian Tracy Show.

Lafayette, Calif. – May 28, 2012 – Dr. John T Moranville, MD, psychiatrist and addiction medicine specialist, was recently an expert guest on The Brian Tracy Show.  Best-selling author Brian Tracy, one of the country’s leading business minds, hosts the show that was recently featured on NBC and other major network affiliates across the country.

“The Brian Tracy Show” features an interview format, with Brain Tracy interviewing business leaders and marketing experts from around the world. Dr. Moranville was one of Mr. Tracy’s recent guests, discussing how he is committed to making a difference by fighting the stigma of mental illness through use of social media.

Dr. John T Moranville, MD is a psychiatrist and addiction medicine specialist with over 25 years of professional experience. Over the past year he has been recognized as VIP of the year for Cambridge Who’s Who and as one of America’s Top Psychiatrists. After graduating medical school at the University of Iowa, he spent 3 years at the University of California, San Diego as diagnostician for a large multidisciplinary study of schizophrenia and helped author 13 scientific publications as well as a couple of chapters for medical textbooks. He then moved to the San Francisco Bay Area, where he spent 12 years treating veterans at the San Francisco Veteran’s Hospital and was on the faculty of the University of California, San Francisco. Since leaving academics, he has provided services to a variety of populations including 7 years working for the City of San Francisco treating the city’s homeless and underserved population. After retiring from clinical services for the City of San Francisco, he began to do some writing and explore opportunities to reach out to a broader audience. He is a co-author of the upcoming book, Cracking The Success Code: The World’s Leading Experts Reveal Their Top Secrets to Help You Crack the Code for Optimum Health, Wealth and Success. He has a virtual practice on HealthTap and plans to tie this into his upcoming website thebipolardoc.com. He is now providing clinical services through the Coastal Carolina Neuropsychiatric Center, but also plans to continue in his efforts to educate patients and the general public about bipolar disorder and other chronic mental illness.

Brian Tracy is Chairman and CEO of Brian Tracy International, a company specializing in the training and development of individuals and organizations. Brian Tracy has consulted for more than 1,000 companies and addressed more than 5,000,000 people in 5,000 talks and seminars throughout the US, Canada and 56 other countries worldwide. As a Keynote speaker and seminar leader, he addresses more than 250,000 people each year.

The Brian Tracy Show was produced by Nick Nanton, Esq. and JW Dicks, Esq. Dicks and Nanton are also the founders and producers of the organization and TV show, America’s PremierExperts®.

To learn more about Dr. John T Moranville please visit http://www.thebipolardoc.com. He may be followed on Twitter as @thebipolardoc or you can visit his Facebook page The Bipolar Doc or his virtual practice on HealthTap.

Richard C. Wilson, best-selling author, global speaker and founder of BusinessTraining.com, was recently seen on NBC, CBS, ABC and FOX network affiliates around the country as an expert guest on The Brian Tracy Show.

Portland, OR – May 28, 2012 – Richard C. Wilson, Founder and President of the Global Training & Certification Institute and BusinessTraining.com, was recently an expert guest on The Brian Tracy Show.  Best-selling author Brian Tracy, one of the country’s leading business minds, hosts the show that was recently featured on NBC and other major network affiliates across the country.

“The Brian Tracy Show” features an interview format, with Brain Tracy interviewing business leaders and marketing experts from around the world. Richard Wilson was one of Mr. Tracy’s recent guests, discussing his online business training and certification programs.

Richard C. Wilson is the founder and President of the Global Training & Certification Institute, which runs BusinessTraining.com. Due to the realization that most professionals receive very little if any practical training from their employer or school within their specific area of work Richard created the G.T.C. Institute. The mission of the G.T.C. Institute is to provide practical online training and certification programs for niche professions and industries so that teams or individual professionals may learn only what is relevant and practical instead of traditional and generic.

Richard is a bestselling author and global speaker at conferences and full day training workshops held each year within cities such as New York, Zurich, Singapore, London, Brussels, San Francisco, Moscow, Chicago, Tokyo, Boca Raton, and Hong Kong. Richard is the author of six books, including Speed of Implementation, The Marketer’s Bible, The Family Office Book, and The Hedge Fund Book, and he has written and published over 5,000 articles that have been read by over 20,000,000 professionals in the business and finance industries.  Richard has a Bachelors of Business Administration from Oregon State University, an M.B.A. in Marketing from the University of Portland, and he has completed masters level research and coursework on the psychology of influence at Harvard University within their ALM department.

Brian Tracy is Chairman and CEO of Brian Tracy International, a company specializing in the training and development of individuals and organizations. Brian Tracy has consulted for more than 1,000 companies and addressed more than 5,000,000 people in 5,000 talks and seminars throughout the US, Canada and 56 other countries worldwide. As a Keynote speaker and seminar leader, he addresses more than 250,000 people each year.

The Brian Tracy Show was produced by Nick Nanton, Esq. and JW Dicks, Esq. Dicks and Nanton are also the founders and producers of the organization and TV show, America’s PremierExperts®.

To learn more about Richard C. Wilson and BusinessTraining.com, please visit http://www.BusinessTraining.com.

To talk to someone about the 20+ self-paced training programs available on BusinessTraining.com please call (503) 922-2752 or send an email to Team@BusinessTraining.com