Why is Long Term Care Insurance so Important?
Even a well-developed investment plan can fail for reasons that have nothing to do with investments. It could fail because the family breadwinner dies prematurely and doesn’t have enough life insurance...
View ArticleDo I need a FInancial Advisor?
Can I do it on my own? The question is, do you need professional help in order to design and stick to an effective financial plan? To some degree, this depends on your unique situation, but most will...
View ArticleThe Top Ten List
•10. To protect your family if you lose a job or change jobs that had provided life insurance. •9. To pay for funeral expenses, loans or any outstanding debt. •8. To cover your childrens’ future...
View ArticleIt’s about peace of mind
If you can afford long-term care insurance, you should probably consider it. Why? Because the cost of long-term care, should you need it, can quickly deplete your life’s savings. For instance, having a...
View ArticleIt’s a tough thing to talk about, but it needs to be discussed
A known sum of money at an unknown time? That is what Life Insurance and the many products insurance companies offer…”Peace of Mind”. There are several types of insurance products available, which...
View ArticleA portion of your overall financial portfolio, should be this!!!
It is interesting to me that when you describe what insurance and annuities do, what benefits they provide and what security they offer, they rise to the top of the charts for desirability. Then the...
View ArticleChristine Dugas, USA TODAY 5/28/2013: SAFEGUARDING YOUR RETIREMENT NEST EGG
Long-term care insurance is one of the few ways to protect retirement savings. But it’s not cheap. The average insurance premium for those between age 55 and 64 was $2,261 a year for policies sold in...
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WHAT ARE THE TAX ADVANTAGES OF AN ANNUITY?
Deposits into an annuity are not tax-deductible, however you don’t have to pay taxes on the interest earned until you beginmaking withdrawals. This tax-deferral period can have a dramatic affect on the...
View ArticleEven the government recognizes the need for Long-Term Care
Yahoo Article: Long Term Care Need The government is saying that individuals/families should seriously consider buying some form of insurance to off-set the cost of Long-Term Care needs. Medicaid and...
View ArticleMy role as your Financial Planner
1. Review your individual situation and personal objectives. Every family’s financial situation is unique. That’s why it’s so important to find out as much as I can about you and your financial goals....
View ArticleHow we can help each other…just by paying attention
As a 17 year veteran of the financial planning industry and, being based in the San Fernando Valley, I have developed relationships with many professionals who provide my clients with a wide array of...
View ArticleIf Ron Baron is Right? Then contact your planner ASAP!
If you are in your 20′s and 30′s, even in your 40′s this is about as optimistic as it gets. Talk to your financial advisor or better yet ME to learn how you can participate and plan for the rest of...
View ArticleMaking the right bet?
You enter a Vegas casino to play blackjack and are confronted by two tables with different rules: Table #1 is very familiar. Bet $10 and if you win, you keep your bet and get an additional $10. If you...
View ArticleYou are seeing articles like this more and more, have you spoken you planner?
CNBC.com Article: Aging baby boomers may find long-term care elusive With 76 million baby boomers reaching retirement age over the next decade, the need for long-term care services is expected to...
View ArticleInsurance should be part of your financial plan
Buying insurance and never needing it may seem like a financial bummer. Needing insurance and not having it can be a catastrophe. It is said that 10,000 people everyday are retiring, and in the most...
View ArticleConversations that make a difference. Now and in your future.
In my years of experience it is never a good time to discuss Life Insurance with my clients? It is a really difficult topic to discuss, and who really wants to talk about the “what if’s” in life. If...
View ArticleAt What Point Does Long Term Care Insurance Step In?
Activities of Daily Living Bathing, Dressing, Eating, Toileting, Continence & Transferring Typically when you lose two of these activities, most Long Term Care Policy’s will trigger payments toward...
View ArticleMaking the right “BET” !!!
You enter a Vegas casino to play blackjack and are confronted by two tables with different rules: Table #1 is very familiar. Bet $10 and if you win, you keep your bet and get an additional $10. If you...
View ArticleLife Insurance should be included in your Estate Plan
You might have an estate plan in place and you believe you have done the right thing to protect your family and the wealth you have accumulated. What many fail to recognize is that despite your best...
View ArticleSolving for Long Term Care, Not Easy?
Receiving the proper care and being able to afford it rank at the top of people’s concerns about getting older. Meanwhile, long-term care and support services represent a growing unfunded liability for...
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