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Welcome to our blog. Here you can find views on the financial world and keep updated on the latest news.


As a Financial Advisor, John Bever works with individuals, families and business owners helping them achieve greater financial independence and have a bigger impact on the people and causes they are most passionate about.  Since 1983, he has helped his clients navigate the financial planning ocean in both calm and stormy seas.  You can count on him and the team at Phase 3 to chart the course to your destination, as they have designed hundreds of financial plans, identifying tax savings, pointing out design flaws in their financial ships and managing the ships through choppy waters and storms towards their ports of call.



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29 MUST HAVE Items on Your Go-Bag List

29 MUST HAVE Items on Your Go-Bag List

A go-bag is a bag packed with essential items and kept ready for use in the event of an emergency. (Hopefully, you will never need to use it, but if you do, it can be a lifesaver.)

There is plenty of information on the internet about Go-Bags.  If you don’t have a Go-Bag, perhaps this will inspire you to assemble one.

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Get Rid of That Nagging Feeling

Get Rid of That Nagging Feeling

Lake-Cook Road, Flat Tire, Rush Hour, Go-Bag—guess what was missing.

At some point in the last six months, I lost my go-bag with my emergency car supplies. I keep one in the back of my car. There were several times when I was hauling things for our perpetual remodel, and my guess is that I left it sitting somewhere–just not in my car–which kind of defeats the purpose of a go-bag.

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5 Easy Ways to Lower Your Income Taxes

5 Easy Ways to Lower Your Income Taxes

5 Easy Ways to Lower Your Income Taxes

 

When you filed your tax return, did you think to yourself, “I’m paying too much,” or “What can I do to lower my taxes?

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Irmaa Who?

Irmaa Who?

Our team of advisors just spent several hours discussing IRMAA and honing strategies to deal with this pest.

No, I didn’t misspell it, and I’m not referring to Erma Bombeck or a great great aunt of mine. This is the Income Related Medicare Adjustment Amount. Simply put, the more income on your tax return in retirement, the more you will pay for your Medicare Part B and Part D prescription drug premiums.

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The Devil Is In The Details

The Devil Is In The Details

Several years ago I received a call from an acquaintance. They had a financial plan done by one of those salespeople dressed like a financial planner. This friend had sold them an annuity several years prior, and he said, “I can even do a financial plan for you at no charge.” They took him up on the offer and the plan showed they could retire in a couple of years. But they felt uncertain and the planner simply said, “trust me it will all work out,” without reviewing any of the assumptions in the plan. They just weren’t certain they would have the abundance they were hoping for.

They were very uncomfortable. It seemed too good to be true. They had this gnawing feeling that something wasn’t right. They were not certain they could retire without running out of money down the road. They wrestled with that thought for a few months and then gave me a call. They knew I was a Certified Financial Planner® practitioner and since they were struggling with this “everything will be ok financial plan” they decided to ask me for a second opinion.

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Retirement Planning

Retirement Planning

Is it really possible to retire abundantly? It can seem overwhelming to find the answer. Where do you begin to figure this out? The questions start swirling…

  • Have I chosen the right investments?
  • Am I saving enough?
  • Am I using the best retirement plan?
  • Am I missing some important tax deductions?
  • How do I balance what I need today with an uncertain future?

And if you are younger additional questions pop up like:

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Securities offered through Royal Alliance Associates, Inc., member FINRA/SIPC. Insurance and investment advisory services offered through Phase 3 Advisory Services Ltd., a registered investment advisor not affiliated with Royal Alliance.

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