Identity Theft Insurance: A Guide

2021-06-07T13:58:14+00:00October 20, 2020|Blog, Financial Roadblocks, Insurance|

In 2019, 14.4 million people were victims of identity theft.1 Identity theft can happen in a number of ways - in-person, online, over email or on the phone. However it occurs, identity theft affects a large number of people per year. In order to fix the mess left in the wake of identity theft, it can cost the victim considerable time and money. That’s where having identity theft insurance can come in handy. Identity theft insurance [...]

Medicare Open Enrollment Begins Oct. 15th. What Does That Means For Me?

2021-06-07T14:00:18+00:00October 13, 2020|Blog, Insurance, Retirement|

Medicare’s open enrollment period happens once a year between October 15 and December 7. During this time, current Medicare beneficiaries have the option to adjust their coverage for the coming year. This can be a useful option for those who may have recently changed medication, underutilized their current coverage or found they could use additional benefits. How to Search For Medicare Plan Options It shouldn’t take a ton of research to determine what your current [...]

Open Enrollment Begins November 1st. Consider These 4 Tips For Choosing a Health Insurance Plan

2021-06-07T13:38:56+00:00October 6, 2020|Blog, General Financial Planning, Insurance|

Open enrollment (the annual period where you can enroll in major medical health insurance plans), begins November 1, 2020 and will remain open for 45 days, or until December 15. For someone looking to change or add coverage, this offers a short window of time to decide on and select your health insurance plan. Before rushing a decision to meet this deadline, take some time now to review and prepare. Below we’ve rounded up our [...]

Questions About Medicare Coverage? Here Are Some Answers.

2016-08-15T16:45:09+00:00August 15, 2016|Blog, Insurance|

Medicare is complex and today’s changing health care landscape makes it more important than ever to fully understand how it works. If you or someone you know is near retirement, you may have questions about how to enroll in Medicare and what Medicare covers. Here are answers to some common questions about Medicare that can help you understand your options and avoid costly errors or gaps in coverage. 1. What does Medicare cover? Medicare is [...]

3 Questions To Ask About Your Long-Term Care Needs

2016-07-27T19:31:55+00:00July 27, 2016|Blog, Insurance|

If you’re like many Americans, you might be worried about how to prepare for your own or your loved ones’ long-term healthcare needs. In previous generations, elderly parents and grandparents could count on moving in with relatives when they became unable to live alone. However, today’s family dynamics have changed and many Americans are reluctant to burden their families with caregiving duties. Long-term care can be defined as the services needed to support someone who [...]

Who Needs Disability Insurance?

2013-07-18T01:26:09+00:00July 18, 2013|Insurance|

When meeting with prospective clients about putting together a comprehensive financial plan, one of the biggest items missing is disability insurance. Did you know that 1 in 3 people between the ages of 35-65 will face a disability and be unable to work for 90 days or longer? And the average length of a disability is 4 years! With all the financial products and salesman in the world these days, it can seem overwhelming and [...]

7 Disturbing Life Insurance Facts

2011-09-07T13:43:50+00:00September 7, 2011|Blog, Insurance|

Do you currently have a life insurance policy?  As a fee-only planner, I don't sell insurance.  However, I have met very few people who don't need a policy.  As we begin Life Insurance Awareness month, I want share with you seven disturbing statistics about life insurance ownership in the U.S.emergencycash 1.     U.S. households are at risk: 30% of U.S. households (35 million) have no life insurance protection. 2.     2009: Insurance companies issued 9.4 million individual [...]

Disability Insurance – “What’s that?”

2011-05-11T12:00:24+00:00May 11, 2011|Blog, Insurance|

Every toddler-aged child loves to point and say, “What’s that?”  Unfortunately, I hear that a lot from clients also when the discussion of disability insurance comes up.  Everyone typically understands the importance of life insurance because they don’t want to leave their family in a bind should their death occur.  However, just as important is making sure your family is covered in the event you become disabled and unable to work.  Did you know that [...]

Think A Cash Value Life Insurance Policy Is A Good Idea? Think Again.

2011-04-05T06:47:30+00:00April 5, 2011|Blog, Insurance|

Many times after I complete an insurance analysis for a client and it’s time for them to purchase a policy, they will ask me, “Can we just buy the policy from you?”  The answer is always, “Sorry, no.”  I could go out and get my insurance license to sell insurance products, but then I wouldn’t be considered a “Fee-Only” advisor anymore since I’d be making a commission on the sale.  The reason I want to [...]

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