In New Mexico, as I understand it, all Wills must be approved by the Probate Court, taking from six to nine months for the process. During that time, who pays your final bills? Your mortgage, utilities, hospital bills, funeral or cremation expenses?

Expenses associated with death can add up. There’s the casket, embalming or cremation expenses that are never as inexpensive as advertised. These expenses can have a substantial impact on those you love, creating hefty out-of-pocket costs for them.

Well, you may say, I have my house, stocks, or other assets that my kids can sell. How long will that take? Will they be forced to sell in a down market? Will there be unnecessary tax consequences?

Final Expense insurance can pay those bills and alleviate the stress of those mounting bills for your beneficiaries.

Final Expense insurance is surprisingly affordable. If you are looking to alleviate the above problems, Final Expense insurance is an option definitely worth looking into.

Please note there are also funeral insurance policies that name the funeral home as the beneficiary. But I would recommend you name a trusted family member as your final expense beneficiary. The last thing you want is to die and have the funeral home be out of business or overcrowded.

I represent only A rated companies. Let’s talk to see how your needs can best be served.




Did you know that in New Mexico and many other states your Will must be reviewed by the Probate Court? That means a six month or more delay in your family or heirs receiving the provision you made for them. In addition to this time delay, this process can cost thousands of dollars before your heirs receive their inheritance.

In this interim period, who will make the mortgage payments? The hospital payments? The utilities? Further, out of what bank account if your account hasn’t been released to your executor or administrator yet?

Final Expense Insurance paid upon your death to whomever you designate is the final puzzle piece in planning for your loved ones. Let’s Talk. These types of policies are cost effective and can be had regardless of health.

The Gottlieb Group



imagesThe majority of Americans are socking #money into #retirement plans that postpone #taxes, a really poor choice and bad bet. Across the board, people are retiring with more income and/or lower deductions, and it’s truly killing their retirement income. Here’s why.

During your working years you have a lot of things to potentially keep your tax bracket down. The mortgage interest #deduction, student loan interest deduction, #exemptions for children, and lower income in earlier stages of your career.

It’s likely #inflation alone will bump you into a higher tax #bracket, but especially when you take away deductions and exemptions, leaving nothing to offset increased income. This is exactly what CPA’s are seeing for many Americans. And the more successful you have been, the more you lose.

Last but not least, it’s clear that the government needs, and is seeking, more revenue. The combination of high spending, high national debt, and some of the lowest tax brackets in history could be a possible indicator of increasing taxes. As of right now, some of those increases have already taken place.

I hesitate to make a blanket statement here, knowing every situation is unique, but consider the benefits of retiring tax-free. There is #peace in not having to #worry about what tax bracket the future holds. Chances are you’ll save on taxes and you’ll sleep better at night. Taxes are not going down so maybe it’s time to rethink your tax plan.

That’s why a tax-free retirement is a breath of fresh air. Let’s talk about a plan for you so that you can enjoy your retirement. After all, you worked hard to get there.

The Gottlieb Group

Adrienne Gottlieb, J.D.



In October of 1929 you know what happened. The stock market crashed and eventually suffered a staggering 32 year setback, losing almost 90% of its value. It took 22 years for the market to surpass it’s all time high before the crash. Nearly 25% of all Americans would be unemployed and over 40% of banks would shut down.

While #banks, #businesses, and #government sectors were closing their doors, one sector of the economy stood strong and steady, unaffected by the crash. You guessed it—#life #insurance companies. Further, owners of cash value life insurance didn’t lose a dime—not then, and not now.

Guess who started their businesses back then and did so with proceeds from their life insurance policies. J.C. Penny, Walt Disney, Ray Kroc (McDonald’s), Max and Verda Foster (Foster Farms), Stanford University, Pampered Chef, and many, many more.

Why is this history important? Some believe our most difficult times are ahead of us. With difficult political issues at the door like the national debt, government spending, Social Security, Medicare, as well as economic issues like inflation, taxes, debt and so on, howing how and where to keep your money safe is increasingly important.

Did you know that both banks and corporations place billions of dollars in life insurance? For banks, it provides the ultimate in safety, stability, and growth. The FDIC allows this asset to be classified as Tier 1 capital, which is the safest capital a bank can have and the core measure of a bank’s financial strength.

Almost 70% of Fortune 1000 companies use life insurance to fund executive retirement plans as well as employee’s retirement plans. Some of the companies that do this are: GE, Proctor & Gamble, ATT&T, GM, Starbucks, Avon, Verizon, Anheuser-Busch, and so on.

While banks and corporations are taking advantage of the benefits of cash value life insurance, the rest of America is falling victim to a deadly lie. We are being poisoned with the idea that volatile, risk-based “investing” in the stock market is the best way to prepare for retirement. We’ve been conned! It is the Wall Street firms who gain. In fact, since the advent of the 401K and other government plans, the stock market has nearly quadrupled in total assets. Indeed, investment firms were a big part of the origination of government plans. They positioned themselves to be the managers of the funds that made their way to these plans. What’s worse is these companies don’t participate in the same theories they pitch us every day.

At The Gottlieb Group we can show you how to take charge, how to plan a #tax-free #retirement, and how to protect yourself and your family all the while growing your money—and with no #risk. Amazing? Yes, but also true! Let’s talk. 505-577-2622 or email me thegottliebgroup@gmail.com.



Under the current Internal Revenue Code, life insurance has a unique combination of tax advantages that are not available with any other financial, investment, or cash accumulation product.

These advantages include:

1.  Tax Deferred Accumulation of Cash Values
The basic reason to own life insurance is to provide for your family’s financial security in the event of a premature death. However, a secondary motive for buying life insurance, specifically whole life or universal life, is the advantage of tax deferred cash value growth.

With universal life insurance, for example, cash values will accumulate over time if actual premium payments exceed the policy’s expenses and insurance costs. Each year, interest is credited to the policy’s cash value based on an interest rate established by the insurance company. Cash values will continue to grow tax deferred, as long as insurance costs and fees are covered, until they are withdrawn, borrowed or the insured dies.

The advantages of tax deferred growth can also be found in other financial and investment products. Annuities and qualified retirement accounts are just two examples of products that also offer tax deferred growth of accumulated values. However, life insurance is the only cash accumulation product that offers the combination of tax deferred growth of cash values with the ability to structure cash distributions that may be received tax free.

2.  Tax Free Income via Withdrawls and Policy Loans

The second tax advantage found in permanent life insurance policies, including whole life, indexed universal life, or universal life, is that cash value distributions may be accessed from the policy tax free. If structured properly, policy withdrawals and loans can be used to essentially eliminate income taxes on cash received from a life insurance policy.

Tax Advantages Make Life Insurance a Great Option

Life insurance has a unique combination of tax advantages including tax deferred growth of cash values, tax free income via withdrawals and policy loans, and tax free death benefits. This combination of attributes is not found in any other cash accumulation product. These special tax features make indexed universal life, whole life or universal life a supreme solution for cash growth, supplement retirement income and family security protection.

Please contact me to discuss how these policies will benefit you and your heirs.