by Ramoth Watson | Jun 27, 2025 | Blog
In 1889, German Chancellor Otto von Bismarck introduced the world’s first government-sponsored old age pension system, a groundbreaking move that laid the foundation for modern social security programs. But while Bismarck’s pension model was revolutionary for its...
by Ramoth Watson | Jun 23, 2025 | Blog
When people first consider buying life insurance, the most common question is, “How much coverage do I need?” It’s a good question, but the answer often surprises people. Many individuals underestimate the amount of coverage needed to truly protect their loved ones,...
by Ramoth Watson | Jun 23, 2025 | Blog
“She didn’t bring home a paycheque but she held our whole world together.” When we think about life insurance, we often focus on the income earner. After all, replacing a lost paycheque makes financial sense. But there’s a role in many families that doesn’t come with...
by Ramoth Watson | Jun 22, 2025 | Blog
As financial advisors, we often guide clients through complex decisions about how to build wealth, preserve it, and ultimately pass it on. One tool that consistently delivers both simplicity and impact is life insurance. Not only does it offer peace of mind during a...
by Ramoth Watson | Jun 21, 2025 | Blog
Life Insurance often feels mysterious, complex, intimidating and something people put off. When I wrote my book “More Than Just A Payout” my mission was to simplify it. I wanted to share that life insurance isn’t just about preparing for death; it’s about protecting...
by Ramoth Watson | Jun 21, 2025 | Blog
Student loan debt has become a national crisis in the United States. With over $1.7 trillion owed and millions of families burdened by decades-long repayment plans, many parents are seeking smarter, more strategic ways to prepare for their children’s education...
by Ramoth Watson | Jun 20, 2025 | Blog
“There comes a point where we need to just stop pulling people out of the river. We need to go upstream to find out why they are falling in.” – Archbishop Desmond Tutu Every day, we see the heartbreaking GoFundMe pages. We hear about communities rallying,...
by Ramoth Watson | Jun 20, 2025 | Blog
Each year, nearly 48% of Americans die without life insurance, and another 21% die underinsured, leaving loved ones exposed to financial hardship. The Jamaican data is even more alarming. This trend begs the question: Why? 1. Ignorance: They Don’t Know What They Don’t...
by Ramoth Watson | Jun 20, 2025 | Blog
A buy-sell agreement is one of the most critical tools in protecting a business partnership. Often called a “business will,” this legally binding contract outlines what happens if a partner retires, becomes disabled, passes away, or chooses to leave the business....
