Earl Rimple | Finance Coach

@earlthemoneycoach

Finance Coach, Personal Finance Educator, Content Creator
💰 I Help Individuals & Executives build Tax-Smart Retirements & Benefit plans using Insurance, Annuities & advanced strategies. 💻Watch YouTube below
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Top Instagram Posts of Earl Rimple Finance Coach

Earl Rimple Finance Coach’s Most liked posts from the last 30 uploads.

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Recent 30 posts with likes and comments overview.

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Originally, pensions were designed when life expectancy was 61, but retirement was 65. Now, with people living to 87, companies shifted to defined contribution plans. Message for info! #retirementplanning #pensions #definedbenefit #definedcontribution #financialfuture #retirement #investing #financialplanning #wealthmanagement #retirementgoals #moneytips #finance 2025-09-16 05:25:17 Originally, pensions were.. 1 -66% 0 -
There's a retirement red zone, five years before and after retirement. Move money to lower-risk accounts to avoid big losses from market volatility. One client lost $217K in 2022, delaying full retirement. #RetirementPlanning #FinancialPlanning #RetirementStrategy #InvestSmart #Annuities #RetirementRedZone #InvestmentTips #FinancialFreedom #RetirementGoals #SecureYourFuture #WealthManagement #RetirementIncome 2025-09-11 22:28:51 There's a retirement red .. 3 +3% 1 +100%
Life insurance shouldn't be seen as an investment. Agents might pitch returns, but its true value lies in consistent protection, regardless of market ups and downs. Comment below for more details!

 #LifeInsurance #InsuranceTips #FinancialPlanning #CashValue #WholeLifeInsurance #InsuranceFacts #MoneyManagement #ProtectYourFuture #InsuranceAgent #FinancialLiteracy 2025-09-11 04:35:32 Life insurance shouldn't .. 1 -66% 0 -
It turns out 98% of term life insurance policies don't pay out. Policies lapse when people forget to pay or can't afford it. Also, many outlive their term policy. #termlifeinsurance #insurancefacts #moneytips #financialplanning #insurancepolicy 2025-09-09 06:33:15 It turns out 98% of term .. 2 -32% 1 +100%
Life insurance has evolved! Living benefits mean you can access funds while alive, not just after death. It's life insurance, use it while you're living! #lifeinsurance #livingbenefits #financialplanning #insurance #money #finance 2025-09-08 21:25:29 Life insurance has evolve.. 5 +71% 1 +100%
Timing the market hurts your returns.

From 2003 to 2023, if you stayed fully invested in the S&P 500, you gained about 540%.

If you missed the 10 best days, your return dropped to around 190%.

That’s losing almost two-thirds of your growth.
The best days often come right after the worst ones. Step away and you risk missing the rebound.

If you’ve been investing in a strategy for over 10 years, share your experience in the comments.

#Investing #FinanceTips #WealthBuilding #StockMarket #PersonalFinance 2025-08-30 21:35:03 Timing the market hur.. 10 +242% 0 -
When you invest, focus on the future, not just the present. Think of it like running a marathon, not a sprint. It’s all about seeing the big picture—understanding that steady progress leads to lasting results. Instead of stressing over market ups and downs, keep your eyes on the long-term direction. Patience and forward-thinking are key to building wealth over time.

Want to know how you can start applying this mindset to your own investments? Let’s talk about how you can use strategic thinking to secure your financial future today.

#Investing #LongTerm #FuturePlanning #PatiencePaysOff #BigPicture #SteadyProgress #FinancialGoals #SmartInvesting #StrategicThinking #WealthBuilding #MoneyManagement #FinancialFreedom #InvestmentTips #PlanningAhead #FinancialSuccess #StayFocused #StayPatient #InvestmentStrategy #FinancialAdvice #WiseChoices #SecureFuture #SmartMoneyMoves #InvestingWisdom #FinancialPlanning #PlanForTomorrow #WealthCreation #earlthemoneycoach 2025-08-30 20:07:10 When you invest, fo.. 2 -32% 0 -
Most people try to guess the best time to buy and sell. The numbers show that guessing is not the key. Staying in the market is what builds wealth over time.

From 2003 to 2023, staying fully invested in the S&P 500 gave about a 540% gain. Missing only the 10 best days dropped the return to about 190%. That means you lost almost two-thirds of your growth. Missing the 20 best days dropped the return to about 60%. The cost of missing those big days is huge.

The reason is simple. The best days often happen right after the worst days. If you step out after a drop, you often miss the rebound that follows. 

Those rebounds drive long-term growth.
The lesson is clear. Do not try to time the market. Focus on staying invested. The longer you stay, the more time your money has to grow. Time in the market beats timing the market.

#Investing #FinanceTips #Money #Wealth #Stocks #StockMarket #MarketTips #LongTerm #Invest #FinancialEducation #WealthBuilding #Finance #MoneyGrowth #FinancialTips #Markets #SaveAndInvest #SmartMoney #StockInvesting #MoneyMoves #FinancialFreedom 2025-08-30 20:04:38 Most people try to guess .. 4 +37% 0 -
Many people lose thousands when moving money from an old 401k into an annuity. If you receive a check instead of using a direct transfer, the IRS gives you 60 days to deposit it. Miss that deadline and the money becomes taxable income. If you are under 59½, you also face a 10% penalty.

The IRS reports that retirement savers pay billions each year in unnecessary taxes and penalties from rollover mistakes. A $100,000 balance handled the wrong way could cost you $30,000 or more in avoidable taxes and penalties.

You can avoid this with a direct transfer that moves funds safely without triggering taxes.

Reach out today to review your options. We will help you protect your retirement money and avoid costly errors.

#401k #annuity #retirementplanning #taxes #retirementincome #financialplanning #retirementsavings #investmentplanning #moneymanagement #rollover #retirementgoals #financialadvisor #financialfreedom #401krollover #moneytips #taxplanning #personalfinance #retirementfunds #financialsecurity #wealthplanning 2025-08-30 19:38:17 Many people lose thousan.. 6 +105% 2 +100%
Choosing a fixed index annuity means knowing how cap rates, participation rates, and surrender charges affect your returns. Make sure the term matches your financial goals. 

Message me to learn more about this strategy and see if it fits your plan.

#annuities #fixedindexannuity #indexedannuities #retirementplanning #retirementsavings #financialgoals #financialplanning #wealthbuilding #retirementincome #incomeplanning #investmentoptions #financialadvisor #moneymanagement #retiresecure #guaranteedincome #retirementfunds #wealthprotection #retirementstrategy #taxdeferred #longtermplanning #safemoney #fixedincome #principalprotection #retirementsolutions #futureplanning #financialsecurity #retirementready 2025-08-30 03:02:30 Choosing a fixed index an.. 2 -32% 0 -
I just had a conversation with a client who didn’t realize how important it is to have a contingent beneficiary on their life insurance policy.

A contingent beneficiary is the person who receives the life insurance payout if your primary beneficiary can’t—for example, if your primary beneficiary is your child and they are still a minor when you pass away. Minors can’t legally access life insurance money, which can delay or complicate things for your family.

It’s not just about kids either. Life happens, and having a backup plan for your financial assets is essential. Many people don’t think to add a contingent beneficiary, but it can make all the difference.

One of my clients learned this the hard way. When his uncle passed away, he was only 3 years old. He didn’t find out until he was 28 that there was a $250,000 life insurance policy left for him. That money sat untouched for 25 years because no contingent beneficiary was listed.

According to LIMRA, nearly 1 in 3 life insurance policyholders have no contingent beneficiary listed at all. That’s a big risk when you’re planning to protect your loved ones.

Take a moment to review your policy. It could save your family years of confusion and missed opportunities.

#FinancialPlanning #LifeInsuranceAwareness #ProtectYourLegacy #BeneficiaryMatters #SmartMoneyMoves 2025-08-27 23:20:06 I just .. 4 +37% 0 -
Annuities often confuse people. Fixed or index? Each works differently. Pay attention to caps, floors, and fees. Read the fine print so you know exactly what you are getting.

#Annuities #FixedAnnuity #IndexAnnuity #RetirementIncome #RetirementSavings #RetirementWealth #FinancialPlanning #MoneyTips #RetirementStrategy #IncomePlanning #WealthBuilding #RetirementInvesting #RetirementFunds #InvestmentEducation #FinanceTips #MoneyManagement #FinancialFreedom #PersonalFinance #RetireSmart #RetirementGoals #PlanForRetirement #SecureRetirement 2025-08-23 03:12:49 Annuities often confuse p.. 3 +3% 0 -
Many people believe they waited too long to save for retirement. That is not true. You can still build a strong plan if you use the right strategies. One of the most useful tools is the Rule of 72.

The Rule of 72 is simple. Take the number 72 and divide it by your annual rate of return. The answer shows how many years it will take for your money to double.

Example:
💰If your investments earn 6 percent a year, 72 ÷ 6 = 12 years. Your money doubles in 12 years.
💰If you earn 8 percent, 72 ÷ 8 = 9 years. Your money doubles in 9 years.

This shows how compounding works in your favor. You do not always need a huge lump sum. Growth over time and smart planning help you catch up.

The next step is diversification. Spread your money across different assets. When the market rises, use strategies to take advantage of growth. When the market falls, use other tools such as leverage or safer investments.

By learning these rules, many people in their 50s still reach retirement goals. A clear plan, compounding, and proper diversification help you create lasting income.

#RetirementPlanning
#RuleOf72
#CompoundGrowth
#WealthBuilding
#InvestSmart 2025-08-23 03:08:54 Many people belie.. 4 +37% 0 -
Many people beat around the bush, but here is the answer for the majority of cases. Most annuity agents get paid a one-time commission upfront by the insurance company. There are other structures, but this is the most common.

Financial advisors usually earn ongoing fees for actively managing your money. That may look smaller upfront, but over 10 to 15 years the costs can add up.

Both approaches have pros and cons. Annuities provide certainty of cost, while advisory fees tie directly to long-term management. The key is building a diversified portfolio that balances costs, growth, and stability.

#annuities #retirementplanning #financialadvisor #commission #financialplanning #insurance #retirementincome #advisors #moneytips #personalfinance #financialliteracy #investments #wealthmanagement #annuitiesexplained #retirementsavings #financialeducation #financialdecisions 2025-08-21 22:12:05 Many people beat around t.. 1 -66% 0 -
It’s important to understand surrender charges for annuities! If you decide to withdraw all your money early, you could face a surrender charge, which can be as high as 10% or more. Make sure you have the right contract to avoid unexpected fees!

#Annuities #SurrenderCharge #FinancialPlanning #RetirementPlanning #InvestmentTips #AnnuityAdvice #ProtectYourMoney 2025-08-20 22:38:37 It’s important to under.. 4 +37% 0 -
I’ve been licensed for 10 years and hear the same debate often. Life insurance is something you set up before you need it. It’s better to have it in place than to go without when the time comes.

It supports you if you get sick while living, and it protects your family when you pass. Only 18% of GoFundMe pages reach their goal. Life insurance gives you access to funds while you’re alive and provides tax-free money for your loved ones after you’re gone.

8 out of 10 of my clients earning over $250,000 have life insurance. They know it protects their wealth and their families.

#LifeInsurance #FinancialSecurity #FamilyProtection #GenerationalWealth #TaxFreeBenefits 2025-08-19 00:21:29 I’ve been license.. 2 -32% 0 -
Take a look at the top 10–20 things that stress you out. If money could help solve any of them—even a little—then it’s time to take action! Think about it: where you live, your kids’ education, your health, and more. Would having more income reduce some of those problems? If yes, focus on growing your income to lower your stress.

#MoneyMindset #StressRelief #FinancialFreedom #GrowYourIncome #WealthBuilding #SmartChoices #MindfulLiving #TakeAction #LevelUp #LifeGoals #ParentingTips #HealthAndWealth #MoneyMatters #BudgetBetter #LessStress #IncomeGrowth #FinancialWellness 2025-08-16 07:34:41 Take a look at .. 14 +379% 3 +100%
Thinking about rolling your 401k into a fixed index annuity? This option gives you market correction protection, guaranteed lifetime income, and tax-deferred growth. According to the Insured Retirement Institute, 67% of retirees say guaranteed income brings peace of mind. Fidelity reports the average 401k balance for people in their 60s is $182,100, which often is not enough to cover 20+ years of retirement.

Some 401k plans allow a direct rollover, making the process smoother and avoiding unnecessary taxes. With a fixed index annuity, you don’t have to stress about market downturns or losing the savings you worked decades to build.

If you want to explore whether a rollover fits your retirement plan, reach out today and get personalized guidance. Your future income security depends on the steps you take now.

#fixedindexannuity #401krollover #retirementincome #financialplanning #retirementsecurity #annuities #taxdeferred #safemoney #wealthpreservation #retirementstrategy #lifetimeincome #marketprotection #moneyplanning #retirementsavings #financialfuture #401koptions #incomeplanning #retirementsuccess 2025-08-16 05:37:05 Thinking about rolling .. 0 -100% 0 -
Rolling money into annuities can earn you bonuses. Some companies offer 22 to 27 percent to cover taxes. One client turned $300,000 into $381,000 overnight. This move helps protect your savings, grow your investment, and manage taxes efficiently. Reach out today to see how you could benefit.
#moneytips #investingtips #financialfreedom #wealthbuilding #smartmoney #taxstrategies 2025-08-16 02:08:04 Rolling money into annuit.. 0 -100% 0 -
I’ve worked in finance for 10 years and see the same mistake over and over. People put all their money into investments that take days or weeks to access, or charge penalties for early withdrawal. When an emergency comes up, they have no quick cash. A recent survey shows 57% of Americans don’t have $1,000 saved for unexpected expenses. Build an emergency fund with three to six months of living costs so you’re ready for medical bills, car repairs, or job loss.

#FinanceTips #MoneyManagement #EmergencyFund #FinancialPlanning #Investing #MoneyTips #FinancialAdvice #PersonalFinance 2025-08-16 01:50:15 I’ve worked in fina.. 1 -66% 0 -
A fixed index annuity can give you lifetime income, even after your principal runs out. Before you jump to the comments, let’s be clear—annuities are not the best way to grow wealth. You might get bonuses and solid averages, but they won’t always match market performance. I use other strategies that often perform better. Still, annuities are valuable for one big reason: guaranteed lifetime income.

The biggest fear for retirees in 2025 is not dying—it’s outliving their money. Costs keep going up every year. Fixed index annuities help because they have a floor. You never lose money from market drops.

For example, one of my retired clients started with $300,000. I secured her an $82,000 bonus, giving her $382,000 total. She doesn’t need the income yet, but the account averages around 6%. If she ever needs it, it will be there as a steady source of income.

There are downsides. These are contracts with surrender charges if you cancel early. You must commit for a set time. Sadly, many agents fail to explain this part.

If you want to know whether this could work for you, message me. We can go over all types of annuities, not just this one, so you see which fits your plan. 2025-08-15 00:01:17 A fixed index.. 3 +3% 0 -
You can grow money in certain life insurance policies. They are not investments. Returns reflect the market but stay within a cap. If the cap is 12% and the market earns 20%, you still get 12%.

The advantage is protection when markets drop. Many have a 0% floor. If the market falls 40% like in 2008, you lose nothing. Your gains stay locked.
Whole life policies often give steady returns near 5%. Indexed universal life might average around 7% based on market performance.

You can access funds before 59½ without penalties. No strict contribution limits. Some clients add $75,000 a year.

Life insurance can give a safety net, consistent growth, and tax-free transfer to your family.

Message me to learn the five main types.

#earlthemoneycoach #lifeinsurance #financialplanning #wealthgrowth #indexeduniversallife #wholelifeinsurance #taxfreeincome #retirementplanning #savingsplan #marketprotection #financialcoach #zerofloor #compoundgrowth #familywealth #generationalwealth #moneymatters #taxstrategies #retirementincome #wealthbuilding #insuranceplanning #financialsecurity #financialeducation 2025-08-14 19:39:52 You can grow money in ce.. 1 -66% 0 -
Thinking about moving your 401(k) into a new strategy?

Before you do, make sure you understand how it will be taxed.
Is it qualified or non-qualified?
That’s just a fancy way of saying: Will you owe taxes when you move the money… or not?

It’s a detail many advisors skip—but it can make a huge difference in what you actually keep.

If you’re not 100% sure how your 401(k) would be taxed when you move it, reach out. I’ll walk you through it so there are no surprises later.

#earlthemoneycoach #retirementplanning #401krollover #financialfreedom #moneymoves #taxplanning #investsmart #financialcoach #financialadvisor #retirementsavings #moneytips #investingwisely #moneygoals #personalfinance #retirementready #financialliteracy #smartmoney #moneymatters #wealthbuilding #retirementplan #financialsuccess #taxsmart #investingtips #financialeducation #moneystrategy #wealthplanning 2025-08-13 06:37:18 Thinking abou.. 0 -100% 0 -
Many people don’t realize how annual renewable term insurance works—and it can be a costly surprise. The price usually goes up a lot each year.
I’ve been in the industry for over 10 years, and I’ve seen some shocking rate jumps. The upside? You keep your coverage as you get older, which can be a lifesaver if you have health issues and want to skip another medical exam. Some companies even let you switch to a permanent policy—if you do it within a certain time window.

The key is knowing your options. Sometimes a longer-term policy or even a permanent plan can save you stress (and money) in the long run.

If you’re not sure what’s best for you—or you’re wondering how much a switch might cost—reach out to me and I can run the numbers for you. No pressure, just answers. 2025-08-13 06:35:12 Many .. 0 -100% 0 -
Most retirement plans fail because people don’t know the exact amount of money they’ll need to retire. In fact, 54% of retirees end up going back to work within four years. Why? Because they never figured out their “retirement number.”
Once you know that number, you can work backward to create a plan. The investment method doesn’t matter as much — the key is knowing the goal. From there, the question isn’t if you’ll retire, but when. Do you want to reach it by age 65? Or even earlier, like 55? It’s your choice and depends on how focused and aggressive you are with your plan.

#RetirementPlanning #FinancialFreedom #RetireEarly #MoneyGoals #FinancialPlanning #WealthBuilding #RetirementGoals #MoneyMindset #EarlyRetirement #InvestSmart #FinancialIndependence 2025-08-12 21:40:48 Most re.. 0 -100% 0 -

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