Catastrophe can strike at any time. How well protected are you? While insurance salespeople get a bad rap and are the butts of many jokes, insurance is a necessary evil. Insurance is like a firewall against catastrophic financial loss. With so many of us living paycheck-to-paycheck, we may be one illness, one layoff, one traffic […]
When most people think of a Health Savings Account (“HSA”), they see a tax-efficient way to pay for medical expenses. During their company’s annual enrollment window, they elect to contribute enough into the plan to cover the upcoming year’s out-of-pocket healthcare expenses. By contributing into the account, they reduce their federal, FICA, state and local […]
Why not life insurance?So, you have auto, home, health, and maybe even pet insurance. However, do you have, or have you considered life insurance? Whether you are single, a single parent, married, married with children, a stay-at-home parent, have a dependent with special needs, are a high-net-worth individual, or own a business, you may need […]
Not too long ago, I signed up for the new marriage, new house, and newborn extravaganza.  As many of you know, and I can certainly attest to now, it is quite the transition.  Times were a bit simpler before—pay your rent, go to work, brush your teeth at least twice a day, and look generally  […]
Being prepared for life’s unexpected events can be a daunting task that many often put on hold. One way to protect your family and their future is by purchasing insurance.  According to a March 2016 survey conducted by Life Happens, more than half (54%) of those surveyed viewed purchasing a life insurance policy as one […]
November is the ideal time to discuss long-term care with your financial advisor and learn how they can help you plan for a more secure future. At least 70% of people over the age of 65 will require some form of long-term care services and support during their lives.* If you are like most people, […]
September is Life Insurance Awareness Month (LIAM) and the perfect time to emphasize the importance of life insurance with your financial adviser. Life insurance is a simple answer to a very difficult question: How will my family manage financially when I die? Benefits of Life InsuranceLife insurance can provide powerful benefits. For instance, life insurance […]
As employers look for ways to control costs, in particular health care expenses, more and more employees will have the option of enrolling in High Deductible Health Plans (often referred to as HDHPs). Per IRS rules, in both 2015 and 2016, HDHPs are Plans in which the annual deductible for individuals is at least $1,300 […]