Gov-Benefits PLLC

03/31/2026

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With the United Precious Metals Association (UPMA), you can own physical gold and silver directly — no IRA required. Your metals are stored in a professional, secure vault and are 100% insured by Lloyd’s of London against loss, theft, or damage.

As a UPMA member, you enjoy:

0% buy/sell spread — buy and sell at the same daily rate
Low, transparent fees (often just pennies per month in gold or silver)
Free vaulting for Goldback accounts
Easy options to spend, wire, or take physical delivery
The flexibility to start with very small amounts from every paycheck
UPMA provides a simple, member-focused way to hold real precious metals outside the traditional banking system.

Get Started with UPMA: Become a UPMA Member today go to: https://conta.cc/4bWSQGR

If you keep any sort of cash account in US Dollars, and are concerned with the effects of inflation on the value of your money . . . watch this short video to learn how you safely convert those dollars into a universal store of value and currency accepted all over the world.

09/22/2025

Cash Value Vs. Cash Surrender Value - Do you understand the difference between Cash Value and Cash Surrender Value?
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Go to: https://conta.cc/3VZPF9I to learn more.

Understanding what cash value and cash surrender value are, and how they work, can help you decide if using these resources is the best solution for you.

08/26/2025

Finance Implications of Going Back to Work: Before you come out of retirement, make sure you've considered all the financial implications.

To book a meeting: https://calendly.com/derosa-103

https://blog.massmutual.com/work-business/financial-implications-of-going-back-to-work

08/22/2025

Secure your future with our Income Trak reports by booking today!

To book a meeting: https://calendly.com/derosa-103

today!

08/22/2025

Secure your retirement with our specialized today! 📈

To book a meeting: https://govbenefits.setmore.com/

08/19/2025

Life Insurance Taxes
Make an informed decision by understanding the tax rules for life insurance premiums, death benefits, and policy loans.
https://www.prudential.com/financial-education/how-is-life-insurance-taxed

To book a meeting: https://calendly.com/derosa-103

Are life insurance proceeds taxable? Get comprehensive information on how taxes impact life insurance policies, helping you make informed financial decisions.

08/19/2025

Pay Down or Pay Off Your Debt
Debt takes many forms, but the right strategies can help put you on track toward paying down or paying off your debt.
http://principal.com/individuals/build-your-knowledge/find-right-you-fit-help-pay-down-or-pay-your-debt

To book a meeting: https://calendly.com/derosa-103

Want to pay off a little, a lot, or all of your debt? Try one of these strategies to help.

08/18/2025

Should Clients Over 60 Do Roth Conversions?
Advisors: The closer your clients get to retirement, the more help they may need making smart decisions that take into account the short and long-term implications of different money moves.
https://www.thinkadvisor.com/2025/07/28/should-clients-over-60-do-roth-conversions/

To Learn more book a meeting with us today To book a meeting: https://calendly.com/derosa-103

Taxes, retirement income, RMDs and legacies are especially important considerations for clients near or in retirement.

08/15/2025

Financially Strong Life Insurance Providers
When it comes to life insurance, long-term trust is essential. These tips can help you find financially strong life insurance providers.

Build a secure and stable financial future. Discover resources to help you make informed decisions about budgeting, saving, investing and retirement planning.

08/14/2025

Better Budgets
Not all budgets are created equally. These tips can help you build a better, more strategic, and more realistic budget.

All financial goals generally start with a budget (and with budgeting). Use these steps to help you figure out your own income-expense plan.