March 2017 Issue of's Monthly Newsletter
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Help you make wise personal finance decisions

Hello friends, welcome to the March 2017 Monthly Newsletter, a compilation of a some blog posts we have published in the past month.  Our goal is to provide you with information that covers a wide range of personal finance topics, such as insurance, investment, retirement, tax, ..., so you can make wise personal finance decisions! 


Insurance Corner:
One Stone Knocks Out 3 Birds?
Secure Lifetime GUL 3 from AIG is a new and innovative stand-alone product that can help consumers unlock available longevity and chronic illness riders for even greater guarantees.   This blogpost explains the main benefits of it.

Impaired Risk Underwriting Improvement - Heart Disease
February is American Heart Month!  This blogpost might be a bit boring for most people, but for people with heart disease and looking to buy life insurance, it's a must read.

Investment Corner:
Why Interest Rates Matter?
We all know interest rates are set to be higher this year, but why does interest rate matter?  These blogposts explain all you need to know about interest rates and investments.
12 Assets and Corresponding Indexes
If you want to build a diversified portfolio, you need to know these 12 asset categories and their corresponding indexes.

Retirement Corner:
3 Phases of Retirement
Do you know there are 3 phases of retirement?  Have you heard of retirement spending smile?  You can find out answers here.

Tax Planning Corner:
How IRS Calculates Your Tax?
With tax season here, we just added a U.S. Tax Planning video post (in Chinese), hope you will find it helpful!  Check it out.

All Blog Posts:
If you want to read other blog posts that cover all the different areas of personal finance, follow this link.

For archived newsletters, check out here.

Thank you for your readership!  I hope you could benefit from some of our publications.

If you like our newsletter, please share with your friends.  They can subscribe by dropping a line to or click here.

The Bottom Line
Personal Finance is a broad and complicated topic, and needs lot of knowledge and forward-looking planning.  I hope I can share my knowledge and use my skills to help you make wise PF decisions.

Kaisheng (Kenny) Bao, CFA, MBA
Independent Agent
National Producer Number 16505199
(571) 482-9394

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