Asset Protection
Practical strategies to shield your assets—LLCs, trusts, insurance, and smart risk management—explained in plain English.
SECTION 1 — Insurance as a Financial Firewall in a Volatile Economy
1.0 The Role of Insurance in a Modern Economy When most people hear the word “insurance,” they think of bills, replacements, or something they buy because the bank, the DMV, or their employer requires it. In reality, insurance is one of the few financial systems...
Debt Settlement Programs Explained: How They Work, Who Qualifies & What to Watch Out For (2025-2026 Edition)
Introduction: Debt Settlement Is No Longer a “Last Resort” — It’s a Top Strategy for 2025 As consumer credit card balances reach record highs in 2025, millions of Americans are searching for real solutions that actually reduce their debt — not just rearrange it. Debt...
Debt Relief vs. Debt Consolidation: Which Is Better for Credit Card Debt in 2025-2026?
Introduction: Two Strategies, One Big Decision If you’re buried in credit card debt and struggling with high monthly payments, you’re not alone. As of late-2025, American households now carry an estimated $1.27 trillion in credit card balances, with average APRs...
GETTING OUT OF DEBT (2025–2026 GUIDE)
Escaping the Credit Card Trap, Breaking the Cycle, and Rebuilding Your Financial Future ⭐ PART 1 — INTRODUCTION The Hidden Crisis No One Talks About: The Emotional, Financial & Physical Toll of Living in Credit Card Debt Credit card debt is one of the most silent,...
Debt Settlement in 2025: The Complete Consumer Guide to Eliminating Unsecured Debt
By Dean Barwick, ConsumerFinanceReviewBoard.org Introduction: America’s Growing Debt Crisis Debt has become one of the most pressing financial challenges in modern America. As of the beginning of 2025, total U.S. consumer debt has surged to over $17.5 trillion, with...
Financial Resilience
Turning Policy Uncertainty Into Long-Term Opportunity (Part 4 of 4 — Series by the Consumer Finance Review Board) 1. Beyond the Turbulence If 2025 taught investors anything, it’s that disruption no longer arrives in isolation.From California’s Proposition 50 and New...
Strategic Shelters
Building a Defensive Investment Playbook for 2026 and Beyond (Part 3 of 4 — Series by the Consumer Finance Review Board) 1. From Market Jitters to Market Strategy The past year has reminded investors that uncertainty is the new normal.Between California’s Proposition...
Retirement at Risk
Protecting Your Nest Egg in Volatile Markets (Part 2 of 4 — Series by the Consumer Finance Review Board) 1. The Calm That Isn’t So Calm Congress may be ending the recent shutdown, but investors remain uneasy.California’s Proposition 50 is reshaping state tax...
Unrest, Uncertainty, and Your Money
(CFRB Part 1 of a 4-Part Series) How the CA Prop 50 Vote, the NY Mayoral Shift, and a Near-Miss Government Shutdown Are Shaping Market Risk 1. Introduction — Political Upheaval Meets Market Anxiety The close of 2025 has delivered a trifecta of uncertainty for...
Rocky DeFrancesco & The Wealth Preservation Institute Review-5 Star Review
CFRB Rating: ⭐️⭐️⭐️⭐️⭐️ (5 / 5) Educating Advisors, Empowering Consumers, and Elevating the Standards of Wealth Preservation Introduction: Navigating a Complex Financial World Today’s financial landscape is more intricate—and more crowded—than ever. Consumers face an...
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