Statistically you will be a stastic, are you financially prepared?
One in 9 – The number of Americans age 65 living with Alzheimer’s Disease.* One in 3 – The number of victims age 85 and over.* Five million – The total number of Americans currently living with...
View ArticleAnnuities are fantastic investment vehicles, but beware of commission driven...
I recently established a new client relationship. So when I met with my clients I reviewed their current holdings so I could learn what they wanted to accomplish and how I could best assist them. What...
View ArticleTrue story from another advisor: Long-Term Care a Necessary Conversation
“I was recently visiting with a prospective client who attended one of my workshops on long-term care. I was showing him how to use life insurance to provide extra monthly income to pay for any care he...
View ArticleGood Advice, next time you get scared…
Uncertainty often makes investors fearful about their investments, and many rush to sell. Yet, in the wake of the government shutdown and debt ceiling debate, a new study shows that maintaining...
View ArticleTips to Ensure Your Retirement Income (and YES Insurance is involved!)
1. Eliminate as much debt as you can. Start focusing on this well before you retire by living below your means and paying down floating rate debt first, such as credit cards and home equity lines. 2....
View ArticleNot all term insurance is created equal
It is important to understand that price should not necessarily be the only consideration when purchasing term insurance. Several questions should be considered: 1. Is the insurance really just...
View ArticleTimes have changed, and your advisor should know this?
Having been a financial planner for almost 17 years I totally embrace many common concepts of money management and asset growth. But I also have a great appreciation for (and knowledge of) the...
View ArticleRetirement? “A goal without a plan, is just a wish”
There is an excellent paper written by a renowned NYC-based consulting firm that you should read. It is based on the Health and Retirement Survey launched in 1992 by the University of Michigan. It...
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I want to say Thank You
This week I want to say Thank You to my entire professional network. If I met you for the first time in 2013 or I have been working with you for years I wanted to express my thanks and appreciation....
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Why Purchase Life Insurance?
We’ve all heard about the importance of having life insurance, but is it really necessary? Usually, the answer is “yes,” but it depends on your specific situation. If you have a family who relies on...
View ArticleThe Risks of Taking No Action to Plan for Long-Term Care Needs
The risk of someday needing long-term care services is simply part of life…it cannot be avoided. It can be reduced to some extent if one lives carefully, east healthily, and exercises regularly, but...
View ArticleWhat are Activities of Daily Living – Long Term Care…Learn More
Health Insurance Portability and Accountability Act or better known as HIPAA specifies six activities of daily living. The two or more activities of daily living that a chronically ill individual...
View ArticleThe Truth About Annuities
An annuity can accomplish one simple goal: income during retirement. However, the spectrum of annuities that are available – and the specifics of each contract—makes deciding whether or not an annuity...
View ArticleA really good story about why you should BUY Long Term Care Insurance
About 14 years ago, Fred and Alice began their retirement years. They had been using a financial planner friend of ours for many years before so had been successful in building a retirement portfolio...
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Keeping Up with Change Requires Constant Upgrades
It May Be Time to Upgrade Your Life Insurance and Why We Offer The CARE Policy Review. As life changes, so do your needs. Like technology, insurance policies have changed over time offering more...
View ArticleReal Life Case, I recently completed
Statistics Female Client Age 69 Non-Smoker Standard Health My client recently received money from death benefits received because unfortunately her husband had passed away suddenly. I was contacted to...
View ArticleAcknowledgement of a Need, is Half the Battle
“I believe that LTC should be viewed as an integral part of the retirement income plan. One hundred percent of retirees will need to have resources to support their lifestyle, some for as long as 30...
View ArticleThe Planners Network Winter Education Conference
Feb. 9 thru Feb. 12 “The Mission of TPN is to maintain a professionally recognized network of successful financial services professionals that will allow us to negotiate superior contractual...
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What Is Variable Life Insurance?
The insurance industry has introduced different types of insurance to meet consumers’ needs. For example, universal life insurance was created to provide a solution for many of the perceived...
View ArticleIndexed Annuities, Can they be a part of your plan?
If you want to participate in the potentially attractive returns of a market-driven investment but would also like a guaranteed return, an indexed annuity might be worth checking out. The performance...
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