More Information This Week's Show
Featured Guest

The Asset You Didn't Know You Had

Do you consider insurance to be an asset, or just another premium you pay each month? With life insurance, it is truly an asset – as long as your policy is in force, it will contractually pay a death benefit. What if your need for life insurance isn’t there anymore? What if you can’t afford the premiums, but still need some coverage? Join us this week as we explore some valuable alternatives to letting your life insurance policy lapse and losing that asset.

Justin S. Rutar CRPC®
Investment Advisor Representative

  • (763) 231-2332
  • (763) 232-5089
  • (763) 231-2338
  • jrutar@woodburyfinancial.net
  • Woodbury Financial Services, Inc.
  • 6240 Quinwood Lane N
    Suite 208
    Maple Grove, MN 55369
Understanding Insurance

Learn how insurance really works.

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Must Read

Recommended reading and resources.

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Next Week on Real Wealth®

Is Owning Insurance Worth It?

What’s the value of life insurance? How does it work? What’s the right amount of coverage? Join us next week to get the answers to these questions & more.

Quote of the Week

“Nothing tops the feeling of continuing when you feel like giving up. It changes everything because it recalibrates your frame of reference.”

–Joe De Sena, Spartan Up! (2014)

Resources For You

American Association for
Critical Illness Insurance


The nation's leading source for information on critical illness protection. Get the facts. See what insurance costs. Request a free, no-obligation quote from the Association's designated experts.

Social Security:
Estimate Your Benefits


The Retirement Estimator gives estimates based on your actual Social Security earnings record.

Please keep in mind these are just estimates.

American Association for
Long-Term Care Insurance

Compare Long Term Care costs, get the latest facts, compare quotes and get tax deduction information. The AALTCI's goal is to educate consumers and provide the most current and objective information to help you make smarter decisions.

Life Happens

A nonprofit organization dedicated to helping Americans take personal financial responsibility through the ownership of life insurance and related products, including disability and long-term care insurance.
Life Happens, so make sure to safeguard yourself and your loved ones.

Share Save Spend


Learn the 'Share, Save, Spend' approach on developing and maintaining healthy money habits, and link your money decisions to your values.

The choices we make can change the world.

College Savings Foundation

Achieve your education savings goals!
CSF is a not-for-profit organization with the mission of helping American families achieve their education savings goals by working with public policy makers, media representatives and financial services industry executives in support of education savings programs.

TaxBot

Make tax savings easy!
Turn business expenses into deductions, track your mileage, digitally store your receipts, and keep more of your money.

Taxbot is usually $19.99/month.
Use this link to get a 50% discount!

American Association for
Medicare Supplemental Insurance

Learn about Medicare Supplement Insurance plans, information & costs. "Medigap" insurance is private health insurance designed to help pay health care costs that Medicare does not cover, such as co-payments, co-insurance and deductibles.

The Power Formula

Master the secrets of LinkedIn with this crash-course! Find the perfect prospects that lead to sales, connect with people who really matter, get leads to come to you, and uncover insider information about your prospects!

Use code "REALWEALTH" to save 25%.

Social Security:
Manage Your Benefits

Keep track of your earnings and verify them every year, get an estimate of your future benefits if you're still working, get a letter with proof of your benefits if you currently receive them and manage your benefits.

Savings Bond Calculator


Find out what your savings bonds are worth with this online calculator. The calculator will price Series EE, Series E, and Series I savings bonds, and Savings Notes. Features include current interest rate, next accrual date, final maturity date, and year-to-date interest earned.

Free Rx:
Prescription Drug Assistance

Free Rx is a service that provides low-income Americans with free prescription drugs. Your monthly bill could drop to $19.95 for each drug. Medicine is sent directly to your home from the manufacturer!

Saving For College


Your guide to saving for college.

Find objective information about Section 529 college savings plans, compare savings options, access tools & calculators and perform scholarship searches.

National Endowment for
Financial Education


The leading private nonprofit 501(c)(3) national foundation dedicated to inspiring empowered financial decision-making for individuals and families through every stage of life.

Securities and Investment Advisory Services offered through Woodbury Financial Services, Inc.
Member FINRA, SIPC and Registered Investment Advisor
Real Wealth® and Woodbury Financial Services, Inc. are not affiliated entities.
Services offered only where licensed to do business. Currently licensed in CO, KY, MN, MO, OR, WI.

PLEASE NOTE: The information being provided is strictly as a courtesy. When you link to any of the web sites provided here, you are leaving this web site. We make no representation as to the completeness or accuracy of information provided at these web sites.