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What’s on our mind? You can read about it in our blog. Whether it’s ideas from the industry or emerging trends, you can read about it here. And once in a while, we may throw in a movie review or some other surprise. So keep checking in. We’re glad to have you reading along.

 

Friday, October 18, 2019

Today, most states require car owners to purchase auto insurance coverage. Whether you already have auto insurance or are considering buying some, you may be wondering how much is enough and which types of coverage you need. Here are a...

 

Thursday, October 17, 2019

Filing bankruptcy can be complex and difficult, and it can have lasting effects. You should consider what's involved carefully before deciding if it's the right answer for you. Don't expect bankruptcy to offer you an easy solution to...

 

Wednesday, October 16, 2019

Life insurance benefits are not paid automatically. If you are the beneficiary of a life insurance policy, you must file a claim in order to receive any money. Often, this is as simple as contacting your insurance agent and the...

 

Tuesday, March 26, 2019

Legally, no. Practically speaking, yes. A will does not need to be prepared by an attorney for it to be legally effective. A will that you draft yourself, or even a preprinted will form purchased in an office supply store, will be...

 

Tuesday, March 26, 2019

If you mean the death benefits of the insurance policy, then these funds are generally free from income tax to your named beneficiary or beneficiaries. You may elect to have the insurance company hold on to these proceeds after your...

 

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Tuesday, March 26, 2019

In order for you to buy a life insurance policy on someone else's life, you must have an insurable interest in that person. That is, you must expect to suffer some financial loss in the event of that person's death. If you have a blood...

 

Tuesday, March 26, 2019

When determining life insurance rates, insurance companies focus on risk. Because smokers face an increased risk of death, insurance companies usually require them to pay more for life insurance coverage. But should someone who smokes...

 

Tuesday, March 26, 2019

There's no requirement that you name a relative as the beneficiary of your life insurance policy. It's certainly possible to name your friend as beneficiary, but you'll need to check first on the laws in your state. Some states require...

 

Tuesday, March 26, 2019

You will be charged a higher premium for your life insurance policy if you smoke. For this reason, life insurance companies have devised a variety of methods to detect tobacco use among their applicants. They start by simply asking you...

 

Tuesday, March 26, 2019

Yes, as long as you've purchased a convertible term life insurance policy. Keep in mind that convertible term life insurance usually has a conversion deadline, which is the date by which you must convert. And when you do convert your...

 

Tuesday, March 26, 2019

Single people with no children often don't need life insurance because no one is relying on their income. But there are some reasons why you might need life insurance if you're single. If you died, who would pay for your funeral? Even...

 

Tuesday, March 26, 2019

A portion of your benefits may be subject to income tax if your modified adjusted gross income (MAGI), plus one-half your Social Security benefits, exceeds specific limits. Your MAGI equals: Adjusted gross income (or the adjusted gross...

 

Tuesday, March 26, 2019

There are three potential drawbacks to saving in your child's name: the kiddie tax, federal financial aid rules, and control issues. First, the kiddie tax. At one time, saving money in a child's name was recommended because of the tax...

 

Tuesday, March 26, 2019

Without an adequate emergency fund, a period of crisis could be financially devastating. Many financial professionals suggest that you set aside three to six months' worth of living expenses for emergencies. The actual amount, however,...

 

Monday, March 25, 2019

The federal government insures certain pension benefits. Specifically, it insures defined benefit plans (but not other types of retirement plans) through the Pension Benefit Guaranty Corporation (PBGC), a federal agency created by...

 

Monday, March 25, 2019

First of all, certain types of cash value life insurance policies (e.g., universal and traditional whole life policies) may not allow you to withdraw from your cash value at all. If your policy does allow such withdrawals, any...

 

Saturday, March 23, 2019

Yes, there are steps you can take now that may help your child obtain more financial aid later. All federally funded financial aid programs use a formula known as the federal methodology to determine how much money a family must...

 

Saturday, March 23, 2019

Yes, assuming you are talking about federal financial aid. Under the federal government's financial aid formula, four main types of assets are excluded from consideration when determining your child's financial need: All retirement...

 

Saturday, March 23, 2019

Question: Is there a minimum number of quotes I should get when shopping for an auto insurance policy? Answer: Like anything else, the cost of your auto insurance can vary depending on where you purchase your policy and what state you...

 

Friday, March 22, 2019

These days, you can buy any type of insurance without going through a professional. But is that the best approach? If you're a savvy consumer with time on your hands, buying insurance on your own may not be a bad idea. However, if...

 

Sunday, March 17, 2019

What is it? Introduction If you're the beneficiary of a large inheritance, you may find yourself suddenly wealthy. Even if you expected the inheritance, you may be surprised by the size of the bequest or the diverse assets you've...

 

Sunday, March 17, 2019

Winning a lottery is usually an unexpected and happy event. But when you win a big jackpot, you may feel unprepared to deal with the financial issues that arise almost immediately. You may have to choose advisors; decide when, where,...

 

Sunday, March 17, 2019

Some people leave instructions about who gets what property in a legal document known as a will. If you do not have a will, you leave no legal instructions about how your property is to be distributed to your heirs. The state then...

 

Sunday, March 17, 2019

When planning for the potential cost of long-term care, you've probably considered long-term care insurance. But premiums can be expensive and if you do buy the coverage, you probably hope you never have to use it. The prospect of...

 

Sunday, March 17, 2019

What is a qualified domestic relations order (QDRO)? A qualified domestic relations order (QDRO) is a court judgment, decree, or order establishing the marital property rights of a spouse, former spouse, child, or dependent of a...

 

Tuesday, March 12, 2019

What you get by achieving your goals is not as important as what you become by achieving your goals. There are no traffic jams on the extra mile. Confidence is going after Moby Dick in a rowboat and taking tartar sauce with you. Until...

 

Tuesday, March 12, 2019

Winning takes talent, to repeat takes character. It's the little details that are vital. Little things make big things happen. Be more concerned with your character than your reputation, because your character is what you really are,...

 

Tuesday, March 12, 2019

Everyone needs that motivational quote of the day to keep pushing forward. Hope you enjoy these positive quotes and they help you to start the day with some motivation and inspiration! Nothing is impossible, the word itself says 'I'm...

 

Tuesday, March 12, 2019

The problem, often not discovered until late in life, is that when you look for things in life like love, meaning, motivation, it implies they are sitting behind a tree or under a rock. The most successful people in life recognize,...

 

Monday, March 11, 2019

The quality of a person’s life is in direct proportion to their commitment to excellence, regardless of their chosen field of endeavor In great attempts, it is glorious even to fail. Once a man has made a commitment to a way of...

 

Monday, March 11, 2019

Everyone needs that motivational quote of the day to keep pushing forward. Hope you enjoy these positive quotes and they help you to start the day with some motivation and inspiration! Nothing in this world can take the place of...

 

Monday, March 11, 2019

Limits, like fear, is often an illusion. Be true to the game, because the game will be true to you. If you try to shortcut the game, then the game will shortcut you. If you put forth the effort, good things will be bestowed upon you....

 

Sunday, March 10, 2019

The first step is you have to say that you can. The things that have been most valuable to me I did not learn in school. I've always considered myself to be just average talent and what I have is a ridiculous insane obsessiveness for...

 

Sunday, March 10, 2019

It is literally true that you can succeed best and quickest by helping others to succeed. Most great people have attained their greatest success just one step beyond their greatest failure. Strength and growth come only through...

 

Saturday, March 9, 2019

There are no secrets to success. It is the result of preparation, hard work and learning from failure. Leadership is solving problems. The day soldiers stop bringing you their problems is the day you have stopped leading them. They...

 

Friday, March 8, 2019

How Do You Do What You Do? We approach each client with no preconceptions about the problems or solutions. After thoroughly listening to our clients and putting ourselves in their shoes, we identify their core issues and concerns. Once...

 

Wednesday, March 6, 2019

Let’s go invent tomorrow rather than worrying about what happened yesterday. The doers are the major thinkers. The people that really create the things that change this industry are both the thinker and doer in one person....

 

Tuesday, March 5, 2019

The problem, often not discovered until late in life, is that when you look for things in life like love, meaning, motivation, it implies they are sitting behind a tree or under a rock. The most successful people in life recognize,...

 

Monday, March 4, 2019

“Never go into business purely to make money. If that’s the motive, you’re better off doing nothing.” “To launch a business means successfully solving problems. Solving problems means listening.”...

 

Monday, February 11, 2019

8 Tax Tips This Accountant Wishes Small Businesses Knew Getting ready for tax season as a small business can be a complete nightmare or a total breeze. The difference? How you prepare. Many small businesses will realize they are in...

 

Tuesday, February 5, 2019

Why I Lift Weights in My Spare time One of the things that I do in my spare time is lift weights. I have bench pressed well over 400lbs, but the greatest benefit I receive is more emotional and psychological. Strength training gives me...

 

Tuesday, January 8, 2019

“What is the best life insurance company on the market?” In short, the answer is that there is no such thing as the best life insurance company. Each company has its own rules when it comes to underwriting. Every company...

 

Tuesday, January 8, 2019

Senior Equity Strategist Linda Duessel offers insights on what is likely to power the equity market in the months ahead as well as potential impacts from trade conflicts, volatility and inflation.

 

Wednesday, December 5, 2018

The Truth About Energy Drinks As busy working parents, sometimes it’s necessary to be up early for work and getting your kids off to school while also needing to stay up late to finish chores and get ready for the next day. But...

 

Wednesday, November 28, 2018

According to the Social Security Administration, more than one in four 20-year-olds will experience a disability for 90 days or more before they reach 67. The average long-term disability absence from work lasts 34.6 months. Here is...

 

Thursday, November 22, 2018

My Current List of Life Insurance Providers American General AIG Allianz National AXA Hartford Jackson John Hancock Lincoln National Mass Mutual Met Life Nationwide Pacific Life Protective Prudential SunLife Symetra Transamerica/Aegon...

 

Thursday, November 15, 2018

The U.S. Department of Health and Human Services estimates that 70% of people over age 65 can expect to need long-term care services at some point in their lives. So understanding the various types of long-term care services—and...

 

Thursday, November 15, 2018

Retirees are faced with many questions: Where will their income come from? How much income will there be? How long will the income last? How long will they live? What will the markets do? How much can they safely withdraw each year?...

 

Thursday, November 15, 2018

We can’t stop inflation, but there are a number of things we can do to plan or prepare for it. Inflation is often regarded as the silent killer for retirement plans. Rising inflation means rising prices which results in reduced...

 

Thursday, November 15, 2018

Not everyone wants to retire early and for some individuals an early retirement may pose certain economic challenges. For these situations a hybrid retirement strategy may be a better solution. A hybrid retirement strategy involves...

 

Monday, November 12, 2018

Would You Like To Earn More Than 0% On Your Savings? Most savings accounts today are barely paying more than 0% interest. I am often asked whether there is a safe and liquid place to save money that offers more attractive returns. The...

 

Wednesday, November 7, 2018

What Is The #1 Financial Risk During Retirement And Why Is It A Risk Multiplier? There are a multitude of financial risks to be considered during retirement, but there’s one risk that is known as a risk multiplier. Before I tell...

 

Wednesday, November 7, 2018

I am often asked the following questions about Social Security by clients: When should I start collecting my Social Security retirement benefit? Can I collect Social Security on my spouse's record? How do I maximize Social Security...

 

Wednesday, November 7, 2018

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Tuesday, November 6, 2018

There are 7 essential steps to account for when planning for retirement. Step 1: Have a plan Step 2: Maximize Social Security benefits Step 3: Consider a hybrid retirement Step 4: Protect your savings from inflation Step 5: Secure...

 

Monday, October 29, 2018

 

Friday, October 26, 2018

Having a guaranteed income source in retirement may help provide some financial comfort for many people. Running out of money in retirement or outliving your savings is a risk many people fear. In these situations, a fixed income...

 

Friday, October 26, 2018

Income Annuities Income annuities turn a portion of someone’s assets into a guaranteed stream of regular income payments, which can begin immediately (using a Single Premium Immediate Annuity) or at a future date (using a...