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 [...]
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 [...]
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 [...]
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 [...]
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 [...]
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 [...]