Blog
Term Life Insurance with Accelerated Living Benefits
Term life insurance with Accelerated Living Benefits allows policyholders to access a portion of their life insurance death benefit while they are still alive, under certain circumstances. These benefits can provide significant advantages..
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Don’t Get “ROPed” into Return of Premium Life Insurance
ROP term insurance is marketed as offering the return of your premiums paid. While this might sound appealing at first glance, it's important to consider the drawbacks that come with ROP term insurance before committing to this product.
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Social Security Planning: Fact vs. Fear
What seems to be gnawing most at near-retirees is a fear that the Social Security program is going to run out of money and stop making payments. Is this a legitimate concern? Should you take early Social Security?
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Life Insurance Awareness Month
September is Life Insurance Awareness Month. This is an annual campaign designed to educate Americans about the importance of having life insurance protection and how it can help provide financial security for families.
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Navigating New Rules for Inherited IRAs
Anyone other than a spouse who inherited an IRA in 2020 or later has faced a new set of rules on when they must take distributions. But here's the latest info.
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Staying The Course Pays Off.
Why "staying the course" in investing pays off in the long run
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When To Sign Up for Medicare If You’re 65 and Still Working
If you’re 65 or older, still working, and are covered by employer health insurance — yours or a spouse's — it can make sense to sign up for Medicare now. Enrollment might reduce your out-of-pocket costs.
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Medicare Advantage vs. Medicare Supplement - What to Choose?
Original Medicare lets you see any provider that accepts Medicare and generally provides more flexibility. At times, Medicare Advantage may be a better option if you can’t afford a Medicare Supplement Insurance plan.
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Is a mandatory Long-Term Care “Tax” coming to your state?
The PA House of Representatives are attempting to put through a mandatory Long-Term Care “tax” on all employees. Don’t be fooled. Although it may sound good, here are the potential pitfalls with this type of program.
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4 Signs That It’s a Scam and How To Avoid Becoming A Victim
Cybercriminals send phishing emails and texts hoping to draw in as many victims as possible and steal important details. The FTC has some great information on Four Signs That It’s a Scam and how to avoid being a victim. Let’s review them:
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Another reason having a credit score is important!
Despite what others may say, why having a credit score IS important, and how it can affect your finances.
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Big Retirement Rule Changes You Need To Know
Congress recently passed a bunch of new rules that will impact how much you can save for retirement, make it easier to save in Roth accounts, and change when retirees must start taking withdrawals from traditional retirement accounts.
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Do Families Really ‘Get’ Long-Term Care Insurance?
Many families lack a full understanding of what long-term care insurance is. Let's review.
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2023 IRA and 401(K) Contribution Limits
The Internal Revenue Service announced it would raise the 401(k) contribution limit by 9.8 percent. The maximum IRA contribution for 2023 will rise $500, to $6,500, an 8.3% increase.
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Feds Warn That Offers to Increase Your Social Security Benefits Are Scams
The Social Security Administration (SSA) is warning Americans not to trust unexpected offers to activate a Social Security benefit following the agency’s announcement that it would make a higher-than-usual cost-of-living adjustment for 2023
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The A, B, C, & D of Medicare - Breaking Down The Basics
Confused about Medicare? Parts A, B, C, D? Medicare Supplement? When to sign up? Let me shed some light on this and help clarify.
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Inherited IRA's - What You Need To know
Here’s what you need to know about inherited IRAs.
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Has the economy and markets got you rattled?
I thought I’d send out a short (kind of) message before 2Q22 ends. Just a quick question for you: “Has the economy and markets got you rattled?"Yes, me too. It’s enough to rattle anyone. There are some serious...
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Stocks & Bonds are Falling, Yet Portfolio Integrity Holds
Stocks & Bonds are Falling, Yet Portfolio Integrity Holds
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I Bonds - Pros and Cons
With inflation continuing to rise, there is increasing interest in a type of savings bond called the I bond. But are they as good as they appear?
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Keep Off The Emotional Roller Coaster
There's a lot of FUD (Fear, Uncertainty and Doubt) regarding the recent fluctuations in the stock markets. And, at first glance, anyone would be concerned. But let me share a couple of things with you.
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Medicare Confusion Could Be A Threat To Your Retirement
Medicare confusion could be a threat to your retirement. The wrong decision can blindside you and potentially throw even the most carefully crafted retirement plan for a loss.
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Why Your Medical Documents Need An Annual Exam
Many people procrastinate when it comes to completing or updating their medical documents until something goes wrong, but at that point it may be too late. Now is the best time for you to get your medical and end-of-life paperwork in order.
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