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Getting a Life Insurance Policy Through HCR Wealth Advisors

The process of planning a retirement and managing finances can be quite complicated at times. However, with expert guidance from firms such as HCR Wealth Advisors, a person can be in better position to more easily manage financial affairs. As well as saving for retirement, another thing that should be considered is getting a life insurance policy. A life insurance policy can provide a way to make sure that surviving family members are covered for a variety of expenditures. They will not have to worry about paying for funeral expenses or any debts. As a result, this can help a family be more financially secure upon death.

While in the process of getting a life insurance policy, it is important to get a full understanding of the tax liabilities that are associated with it. An advisor at HCR Wealth Advisors can provide more detailed information about tax liability. According to HCR Wealth Advisors, the proceeds from a life insurance policy is free of any income tax obligations. However, life insurance policies can be subject to an estate tax. Each state has its own regulations of estate taxes on life insurance policies. Therefore, a person should contact a tax professional about the estate tax for life insurance policies. With feedback from these parties, a person can help to determine which amount of life insurance coverage will satisfy a person’s financial needs.


HCR Wealth Advisors is one of Southern California’s most reputable financial services firms. For over three decades of experience in assisting people and families with their financial affairs. HCR Wealth Advisors has a team of professionals who are committed to providing a variety of services that help people plan their financial future. With HCR, clients are able to more easily plan for their retirement, accumulate funding for college and also learn more about other financial affairs such as insurance policies. During the past thirty years, HCR has become one of the most trusted firms for many different clients that include high net worth individuals, families and entrepreneurs.

This article is for informational purposes only and should not be considered investment advice. HCR Wealth Advisors is not affiliated with this website.



Bhanu Choudhrie Shares Why He Is Investing Mostly In Asia

After earning a college degree in the United States, Bhanu Choudhrie moved to London. He founded C&C Alpha Group through which he invests in companies around the world. He takes a long-term approach, making sure these companies have strong management teams in place and adequate capital.

He mainly focuses on new and emerging countries to build new companies in. He does have a healthcare company in the United Kingdom, however. Bhanu Choudhrie has invested in real estate in the United States. His company buys and manages residential properties in New York City. He also helps guide Customers Bank in Pennsylvania as he is on their board of directors.

Bhanu Choudhrie says the biggest opportunities are in emerging countries in Asia. He sees these countries as having a huge room for growth. India, in particular, is one where he is making long-term investments. He started healthcare companies and hotels there while also investing in real estate.

In the Middle East, he owns Alpha Utilities. This company provides desalinated water to people and businesses in the Hamriyah Free Trade Zone. As more hotels are developed in this area, his company plans to increase the amount of desalinated water to keep pace. He also owns a company that trains airplane pilots in the Middle East.

Writing on his blog, Bhanu Choudhrie shared that climate change is a huge threat to human health. However, as economies decarbonize, there will be many opportunities to produce energy in a smarter way. How food is grown will also change quite a bit and people will need to live differently.

He said that it was developed countries that started burning fossil fuels in the 19th century and throughout the 20th. Unfortunately, it is emerging markets that also need to decarbonize despite not causing climate change anywhere to the extent the West has. This is coming at the point where, for the first time in history, they have had amazing economic growth.

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TJ Maloney Grows His Company

The private equity firm, Lincolnshire Management, focuses on acquisitions and other investments with middle-market companies. It was co-founded in 1986 by Frank Wright and Steve Kumble who ran the special finance division with Manufacturers Hanover Trust Company for 31 years. After his death in 1992, James Tozer became the new president and CEO. In 1998, TJ Maloney took over as CEO and Chairman. In 2005, Kumble left to start his own company.

TJ Maloney joined Lincolnshire Management in 1993 and helps with the Investment Committee. His main focus is with portfolio companies. He went to Boston College and then to Fordham Law School. Before working for Lincolnshire Management he was a practicing merger, securities, and acquisition lawyer in New York City. He is the former Chairman of the Boston College Wall Street Council. He was also on the board of trustees of several colleges and has been a guest speaker at colleges as well.

Lincolnshire Management has announced that they are expanding their team by adding four new professionals. They are welcoming Mathew Nacier, Nicolas Vega Llona, Yashna Ginodia, and Georg Stolt-Nielsen and TJ Maloney is excited about the expanded team. These new professionals will add even more variety to their already passionate team of experts.

At Lincolnshire Management, the CEO TJ Maloney and President Michael Lyons are very excited to have a new young team of experts to make their team even better. Matthew was a summer intern that joined the company as an analyst in 2014. He then went on to consult with many firms and gain experience in the field. He is rejoining the team in its operations group. Nicolas has received his degree from Columbia University and served as a director on business boards. He is joining as a Senior Associate. Yashna received his degree from New York University and minored in computer science. After working at Noonmark Capital he is joining the team as an analyst. Georg has experience in maritime software and is joining as an analyst.

Read more here

Nikin Khanna Sees a Future in Cannabis

In his career, which has spanned well over two decades, Nikin Khanna has received numerous accolades which show that he has been an influential figure in his field. He currently serves as CEO of MergerTech an investment bank based in Portland, Oregon. Khanna was born in India in 1971 and eventually studied at Purdue University and went on to earn a masters degree in industrial engineering from there as well. He went on to help to start tech company Saber Corp with his brother in 1999.

A serial entrepreneur, Khanna turned his attention towards the cannabis industry. He served as the CEO of Cura Cannabis Solutions, or CuraCann. The medical community, as well as government officials, are now recognizing the medical benefits of cannabis. The oil can help with anxiety, chronic pain, and other medical issues. The company sells oil and cannabis vape cartridges and will soon expand to Nevada, California, and Oregon. He even has Canada in his sights and hopes to be the largest supplier of cannabis worldwide. He envisions the company offering edible products as well. There are various tests that the products have to go through in order to be sold. In Oregon, for example, they are tested for potency and pesticide residue. The company’s goal is to provide the best quality product and the results are available on the company’s website.

Khanna also sits on the advisory boards of several companies including Vendscreen, TiE Oregon and Freewire Broadbank. With Mergertech, he is able to act as an investor helping start-up small, mobile companies in Portland

Khanna is not all work and no play. He is a self-taught DJ. While he’s not getting paid for it, its one of his quirky habits. Nitin Khanna is a well-rounded individual who is sure to be a force in business for many years to come.

Read more here

Neurocore: How their Brain Centers Help People with ADHD

The Neurocore Brain Center is a healthcare and rehabilitation facility operating in the United States. The company became popular among the American public because of the Neurotherapy services that they offer to their patients, allowing those who have depression, ADHD, and other related mental issues to be treated. The Neurocore Brain Center uses electromagnetic pulses to influence the brain, and according to those who have visited the facility, the treatment is very effective. Many experts have known about the technique used inside the facility, and they are seeing a lot of potential for the future of the industry that looks after those who are affected with mental illness. People who have ADHD are also frequenting the facility, knowing that they have the treatment for their condition.

The Neurocore Brain Center is known for its Neurotherapy, and the facility uses electroencephalography or EEG in real time to give their patients a graphic display of how their brain operates. The data made from using EEG helps the facility to create a strategy on how they can restore the normal functions of the brain, helping people with ADHD to recover. The treatment lasts for two to three sessions, and it can be performed within three months. Many scientists have studied the benefits of EEG for those who have ADHD, and the research suggests that the treatment, when properly executed, can really help someone with the disorder, transforming their lives.

Living with ADHD in the 21st century is really difficult, and children who have the disorder would have short attention spans. It can be a headache for the parents, but they need to understand the scope of the disorder and help their children to become better. Teenagers and adults are also affected by the disorder, and one of the worst symptoms that can happen would be the inability to sleep. When this happens, the people affected with ADHD can develop insomnia, and it might take a toll on their health over time. The medication-based treatment has been the primary choice of physicians in the last decade, but with the EEG treatment offered by the Neurocore Brain Centers, the statistic might change.

Learn more about Neurocore here:

The Tech Future with Isabel dos Santos

Isabel dos Santos may be known for being the richest woman in Africa with an estimated net worth of $3 billion or as being the daughter of the former president of Angola, but there is more to the exceeding entrepreneur. Isabel is the daughter of the president of Angola, Jose Eduardo dos Santos and Tatiana Kukanova, is the Chairwoman of the biggest telecommunications company in Angola, UNITEL.

Not only does she own 25% of UNITEL, but she also have business interest in other areas such as media, construction, retail, hospitality, finance, and energy in Angola and Portugal. Isabel dos Santos educational background in business management and engineering at King’s College in London is what prepared her for her career in technology.Her achievements extends further than a board room. She travels all over the world inspiring people who are interested in ways of putting technology to good use (BBC).

She spoke with the students who were interested in politics at Warwick University about the importance of having a goal, a plan, and working together to achieve their common goals on the subject of making Africa one and how Africa can grow. One of her conferences at Yale University, Isabel dos Santos spoke to the students on what can be done to keep Africa growing environmentally and economically. She expressed to them that in order for that to happen we need a new economic model, a new history of Africa, a new story written by all of us so that we can bridge the gap among nations with the help of innovation and technology.

Isabel dos Santos believes in the power of a good education. She believes that it is important to invest in the education of technology to increase the understanding of it and its many features. She also have numerous initiative programs to help underprivileged communities. She also has a partnership between UNITEL and Huawei through that company’s “Seeds For The Future” program which is a scholarship aimed at top students in information and communication technology. Isabel dos Santos vision for a united Africa through technology is definitely happening and with her vision for digital banking among other things in her sights, it’s only a matter of time.

Link available to read more on Dos Santos´ biography

The Outstanding Philanthropic Efforts of Stream Energy

Stream Energy is one of the leading providers of necessary services and a direct selling company. They have been exceeding customer expectations for years and in our rapidly growing and changing world today, they strive to make an impact by giving back to the community and to support those who are in need. The primary focus of the company is not only to provide clients cost-effective electricity and energy services, but they also have a goal to give hope to others by supporting local charities and other communities through their Stream Cares Foundation. The launch of their philanthropic program a few years ago became a success. The employees and associates of Stream Energy were able to work together as a whole and raised almost 3,000 US Dollars by selling shirts and giving direct donations for Stream Cares to allocate. The foundation was built by Stream Energy to strategically and deliberately fund and support various causes.

According to the Kimberly Girard, the Manager of Community Relations and Events of Stream Energy, they have been working on Stream Cares Foundation for quite some time and the company felt like the convention was the most suitable time to announce it to their employees and associates. Today, they are constantly changing the lives of many, remains as an organization with a heart, and consistently identifies different innovative methods to give back. Over the past few years, they have been in partnership with several organizations that also support causes through funding and special events such as Texas Tornado Benefit, Habitat for Humanity, Hope Supply Co. and a lot more.

Stream Energy has been in partnership with a Dallas-based non-profit organization known as Hope Supply Co., and the two have been committed to giving the right programs and necessary items to enhance the lives of the youth and the children who are homeless in North Texas. According to the members of Stream, it feels very rewarding to be able to give back to those in need and being able to show generosity. The company continuously works with its selfless partners altogether in creating a brighter and better future for everyone.