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Welcome to the John Nunes Financial & Insurance Services Blog Spot.  The purpose of this blog is to be a resource for the purpose of financial education. Many of the topics that are discussed in this blog are not normally taught through mainstream education so they have to be learned through an experienced financial professional.


Our role with this blog is to engage you with topics that are vitally important when it comes to making crucial decisions on how you plan and where to allocate your hard-earned money during your financial and retirement planning.  We will also discuss topics that may bring you alternative options that you may not know about but may be essential when it comes to making informed decisions.


If you have any questions regarding any of the material I post on this blog, please contact us and we will be happy to chat or meet with you.


Thank you for visiting our Blog Spot.

Tax Free Retirement

When it comes to deciding where to allocate your hard-earned assets towards retirement, ask yourself these questions:


- Tax-Free or Tax-Deferred?

- Stock Market Downside Risk or No Downside Risk?


To understand the differences between a Tax Free Retirement and a Tax Deferred Retirement, read on.

3 Enemies of Money

3 Enemies of Money are:


-  Taxes

-  Inflation

-  Procrastination


Learn how these 3 Enemies of Money can hinder your ability to have a successful financial plan.

Whole Life Insurance vs. 529 College Plans

Where you store your child's college savings could impact his or her ability to attend college almost as much as grades and standardized test scores.


In the battle between 529 college savings plans versus permanent life insurance, here's how both fare.

Life Insurance You Don't Have To Die To Use

Life Insurance as we know it is a product we buy to protect our families in the case of premature death.  This is so our families can go on without any economic hardships.


But what if we got sick, became disabled, had a heart attack, stroke or major organ transplant AND survived?  How would we pay for those expenses?  How would our family survive economically?  We now have the answer: Life Insurance You Don't Have to Die to Use... Living Benefits Life Insurance.

The Limitations of Group Life Insurance

Just because you have group life insurance through a job doesn't mean your dependents are fully protected in case you die.


Your group life insurance coverage probably isn't sufficient to support a family. If your death would hurt anyone financially, then you likely need individual life insurance -- the kind you buy on your own -- in addition to the coverage you get through an employer's benefits package.

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