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Wednesday, May 15, 2019

Many people may think life insurance is just another unnecessary expense without realizing its purpose and benefits. The question to ask yourself is would someone in your life suffer financial hardships if you were to pass away? If the...

 

Wednesday, May 8, 2019

It’s never too early nor too late to start thinking about retirement and planning for one. It takes careful planning for your money to last a lifetime. Here are simple action steps you can take today to start preparing for your golden...

 

Wednesday, May 1, 2019

Many Americans significantly underestimate the impact that a loved one’s long term care needs could have on their own lives, marriages, work, and not to mention their finances. As a matter of fact, 57% of caregivers surveyed tapped...

 

Wednesday, April 3, 2019

Oftentimes we tend to be unrealistic when it comes to planning how much we can achieve and how long it will take, especially when it comes to setting money goals. A general rule to reaching your financial goals is to establish a plan...

 

Wednesday, April 3, 2019

For many, our children’s high school graduation is just around the corner and then they’re off to college. And we ask ourselves–where did the years go by? Besides seeing an empty nest, parents are also seeing empty pockets; thus,...

 

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Wednesday, April 3, 2019

Estate planning is something that’s never easy to do or even to begin thinking about for that matter. But it can help give you comfort knowing your estate and loved ones are protected after your death. Avoid missteps and get your...

 

Wednesday, April 3, 2019

Today, women are providing more financial value to their household than ever before. Studies show 51% of women are responsible for household finances while 37% reported to be the primary breadwinner of their family (compared to 31% in...

 

Wednesday, March 27, 2019

Seniors can benefit from many discounts and offers; however, taxes aren’t one of them. Retirees will be shocked to find that much of their income is, in fact, subject to taxes. Here are a few that you can expect to face in...

 

Wednesday, March 20, 2019

When it comes to annuities, misinformation surrounds them. To help you make a sound decision on whether or not an annuity is right for you, here’s the truth behind some of the most common misconceptions:They’re only for retirees. While...

 

Wednesday, March 13, 2019

When it comes to retirement, both men and women face many risks. However, women are faced with greater financial obstacles:Living longer. It’s a known fact that women enjoy a longer lifespan than their male counterparts. As a matter of...

 

Wednesday, March 6, 2019

For many of us, we look forward to this time of year where we can expect some extra money in our pockets. The sooner we file, the sooner we can receive our tax refund. And you can do so by filing electronically, requesting your refund...

 

Wednesday, February 27, 2019

Many of us look forward to our golden days, the days where we can simply kick back, relax, and do a lot more things we didn’t have time for during our days of labor. How comfortable and secure your retirement will be depends on how...

 

Wednesday, February 20, 2019

Running out of money in retirement is a worry for many people. In fact, 55% of baby boomers and 57% of Generation X expressed outliving their savings is one of their greatest fears. 47% of millennials also have similar concerns.1...

 

Wednesday, February 13, 2019

Making the decision to place your spouse, partner, or family member in long-term care (LTC) might be one of the hardest decisions in your life. Nobody wants to think about putting their loved ones in assisted care. For many, it is a...

 

Wednesday, February 6, 2019

Filing season for the 2018 tax year is officially underway. To help you stay organized as you prepare to file, use the checklist below to gather all the forms and documents you’ll need.1Identification for You and Your SpouseFull...

 

Wednesday, January 30, 2019

Nearly 50 percent of Americans aren’t prepared for retirement.1 However, there’s still time to catch up. Here’s some insight on how you can better position yourself for securing a happy retirement:Pay off large debts. By focusing on...

 

Wednesday, January 23, 2019

It’s January of the New Year and other than starting fresh and enduring frigid temperatures, tax season has arrived. Below are some of the 2018 tax deduction changes you should know when filing in 2019.1Medical and dental expenses. You...

 

Wednesday, January 16, 2019

Have a life insurance policy? That’s great! If you don’t, well, you may want to reconsider. But what are some of the features that a life insurance policy should have built-in to it? There are a lot of different options, but here are...

 

Wednesday, January 9, 2019

Every birthday is special – but these are particularly important in your retirement journey.1 Here are some age milestones to keep in mind:Age 55 – Penalty-free distributions allowed from 401(k), if retiredAge 59 ½ – Penalty-free...

 

Wednesday, January 2, 2019

Happy New Year! We are officially in 2019, and there’s no better time to start fresh with your finances than now by laying out your goals for the New Year. Follow these simple tips below to help your financial year start off on the...

 

Wednesday, December 26, 2018

You’ve worked hard this year and it’s that time of the year again for New Year’s Resolutions. And for many of us, that means getting your finances in order. Follow the calendar below to track important deadlines and notices for your...

 

Wednesday, December 19, 2018

Many people think they don’t need life insurance for one reason or another. A lot of these same people also think life insurance is too expensive (it’s not). Add these two together, and you get a population that simply doesn’t...

 

Wednesday, December 12, 2018

There are millions of different ways a person can get themselves to be financially-stable in retirement, but what is the ideal way? Through examining studies and compiling expert opinions, MarketWatch came up with an ideal timeline for...

 

Wednesday, December 5, 2018

Now’s the time to observe your entire financial situation. The new year is upon us, so it’s only smart to start looking towards next year so you aren’t caught off-guard. Follow this quick tips and be on your way to a current financial...

 

Wednesday, November 28, 2018

There are some things in life that are just worth knowing. Retirement terms is one of those things. Regardless if you’re far off from retirement or in the middle of it, it pays to understand some common retirement lingo, so you’re not...

 

Wednesday, November 21, 2018

Many factors come into play when you consider an annuity. They come in various shapes and sizes, so it’s important to know which questions to ask to come away with the right annuity for you. We’ve compiled a list of questions you’ll...

 

Wednesday, November 14, 2018

We get it—life insurance isn’t the most exhilarating topic. No one wants to talk about their own death. And because of that, a lot of people don’t consider it a priority in their finances. Yet, nothing could be further from the truth....

 

Wednesday, November 7, 2018

In retirement, annuities can be an essential part of your income strategy. They can provide guaranteed income for as long as you live, and are often a great way to supplement income from the likes of a pension or Social Security....

 

Wednesday, October 31, 2018

If retirement is in your future, listen up: A secure retirement plan isn’t just about savings, it’s about generating income, too. If you’re focusing only on your retirement savings, you likely will miss out on the retirement you want...

 

Wednesday, October 24, 2018

A lot of people purchase life insurance and never look back. If that’s you, you may think that once you place a life insurance policy, you’re set until, well, you know.But that’s not really the case, given life’s dynamism. Here are...

 

Wednesday, October 17, 2018

With life expectancy continuing to rise as care costs grow with it, finding sustainable funding for long-term care (LTC) needs can be a challenge. Here are three ways to fund your LTC.Annuities – Annuity-LTC hybrid products deliver a...

 

Wednesday, October 10, 2018

Do annuities and retirement go hand-in-hand? Not always. But, annuities do serve as a great way to secure income in retirement, especially under certain conditions. Here are four situations where annuities make most sense in retirement...

 

Wednesday, October 3, 2018

Purchasing multiple term life insurance policies from different companies can prove to be a fiscally efficient strategy that works especially well if you’re able to predict when your coverage needs will diminish. For example, instead...

 

Wednesday, September 26, 2018

Life insurance is most valuable to you in times of need, which is why it's important to know in advance when and how to file a claim. Insurance companies are required to pay insurance claims promptly, but there are steps you or your...

 

Wednesday, September 19, 2018

A recent study found that there were 16.7 million victims of identity theft in 2017, combining for a total loss of $16.8 billion.1 Still to this day, one of the most effective ways to prevent identity theft is to spot and stop the...

 

Wednesday, September 12, 2018

Sending a child or grandchild to college comes with new insurance responsibilities. Whether they're already in college or still have a few years to go, your family's insurance needs change when your children go off to school....

 

Wednesday, September 5, 2018

Sending a child off to college? Sit down together and go over these important financial issues before dropping him or her off for the semester.Get your student set up with a credit card.If your child doesn't already have a credit card,...

 

Wednesday, August 29, 2018

There are some things in life that are just worth knowing. Retirement terms is one of those things. Regardless if you’re far off from retirement or in the middle of it, it pays to understand some common retirement lingo, so you’re not...

 

Wednesday, August 22, 2018

New types of policies are emerging that combine life insurance with long-term care (LTC) insurance, getting you covered for both. If you’re intrigued by these hybrid policies, they may be worth a look. Here’s a few notes about how they...

 

Wednesday, August 15, 2018

How much do you know about Social Security in 2018? Because of the program’s complexity, chances are you don’t know every little piece of information. These four facts serve to fill in some gaps in your Social Security knowledge. If...

 

Wednesday, August 8, 2018

If you’re retired or nearing retirement, you know how long you’ve been saving for your best years. Are you ready to manage your distributions well and budget correctly? If not, you may run out of money. Consider this tips when you’re...

 

Wednesday, August 1, 2018

Long-term care (LTC) insurance is often overlooked as a necessity, but as humans continue to live longer lives, LTC is becoming an important asset to have in your later years. It helps take care of daily tasks when you’re unable...

 

Tuesday, July 24, 2018

With retirees living longer than ever before, it’s becoming more and more important to accrue enough savings during your working years to help you live the retirement you deserve. The three strategies below can help you get your...

 

Wednesday, July 18, 2018

There are many types of annuities, but immediate annuities are one of the most popular options. These annuities are purchased with one lump-sum payment and begin paying out the agreed-upon amount right away. But, to be sure this...

 

Wednesday, July 11, 2018

Technology today allows for access to more information and choices than ever before across all industries – and financial advisory is no different. But, before you think about trying the next up-and-coming “robot advisor”, consider...

 

Tuesday, July 3, 2018

Did you know that 65% of Americans end up saving little or nothing at all? And only 39% can cover a $1,000 emergency. This begs the question, are you saving enough money? Here’s four signs that you need to be saving more.You don’t have...

 

Wednesday, June 27, 2018

Thinking of life insurance? You should be doing your math then, too. With a few simple “rules of thumb”, and dependent on your age, you can define a solid estimate based on your loved one’s needs in the future and your current...

 

Wednesday, June 13, 2018

Converting your individual retirement account (IRA) into an annuity can be an excellent way of supplying yourself with a steady income stream for the rest of your life. That doesn’t mean it’s for everyone, though. Here’s two pros and...

 

Wednesday, June 6, 2018

Social Security is meant to lead people into a comfortable, stress-free retirement. But, that doesn’t mean you don’t encounter some unchartered territory along the way. These tips should help you navigate Social Security with greater...

 

Wednesday, May 30, 2018

Estate planning is no easy task. There’s a lot of time and energy put into each plan. Every estate plan is unique, but unfortunately, the same mistakes occur. This isn’t an exhaustive list, but these three classic mistakes are...

 

Wednesday, May 23, 2018

The reality is many Americans – about 50 percent – aren’t prepared for retirement. If you don’t have enough saved up for your golden years, there is one way to catch up relatively quickly. Work a little longer. We know, we know, it’s...

 

Wednesday, May 16, 2018

You may have heard about fixed indexed annuities (FIAs) through the news, your friends or family, or perhaps your financial advisor…but do you know what they offer? Here’s four important characteristics of FIAs. FIAs allow people to...

 

Monday, May 7, 2018

It’s no secret that life insurance gives a much-needed financial safety net for your dependents if you aren’t around to be there. Mortgages, funeral costs, debt – the list of costs is plentiful. But when you’re deciding on a new policy...

 

Tuesday, May 1, 2018

Many Americans are aware of the tax benefits from certain savings accounts such as individual retirement accounts, or 401(k) plans; but the less-known HSA can provide some major tax relief. Here’s three ways: 1. Tax-deductible...

 

Wednesday, April 25, 2018

Most of our lives are spent saving for retirement, but when the time comes, how do you turn that nest egg you’ve created into a steady income? We’ve broken down three ways. 1. Annuitization. Income annuities take a lump sum of cash...

 

Wednesday, April 18, 2018

Americans routinely report being anxious about their money and retirement plans. Today, over 50% of American adults report being either “very” or “moderately” worried about retiring with too little money. How can you achieve a...

 

Tuesday, February 13, 2018

No matter what your age, it’s important to start preparing for the time when you eventually retire. One of the biggest financial issues you may encounter by the time you’re ready to stop working is how much money you will...

 

Wednesday, February 7, 2018

If you are like many people, you are probably looking forward to the time when you can retire. It marks the end of an era and serves as a reward for all the hard work you have done over the years. Retirement is a time you can truly...

 

Wednesday, January 31, 2018

Divorce can be hard on many levels. One of the things that can be crucial is the financial split of the couple's assets. These assets include retirement benefits and investments. Figuring out how benefits should be divided, or if they...

 

Wednesday, January 24, 2018

The first month of 2018 is behind us but it is not too late to take stock of various aspects of our lives. One of the primary areas that is commonly reviewed each year is personal finance. If you are thinking about retiring within the...

 

Thursday, January 18, 2018

Did you hear about the people that are mortgaging their home to invest in Bitcoin? It seems that as more and more people become interested in Bitcoin, that more people are thinking about adding it to their portfolio. With the recent...

 

Thursday, January 11, 2018

Most adults who are approaching retirement or who have reached this stage in their lives are aware that income is a major factor that mortgage underwriters focus on when applying for a home loan. The primary source of income that...

 

Wednesday, January 3, 2018

When a person thinks of retirement, they can have a thousand things running through their mind. They are sometimes met with a mix of emotions about the situation that they are going to be in. On one hand, retiring means that you get to...

 

Sunday, December 31, 2017

As we enter a new year, it is a good idea to consider the resolutions you might be planning. You might want to do things like exercise more often or drink more water. However, you ought to also consider saving for retirement and...

 

Friday, December 22, 2017

The start of a new year can have you thinking about your health. Joining a gym can be a goal for some as we head into 2018 but if you are planning for retirement, there is another side of health that needs to be considered; medical...

 

Tuesday, December 12, 2017

The holiday season may be the most wonderful time of the year, but it's also when there are the most holiday scams. For many some consumers, it can be easy to fall victim to various scams as they attempt to shop for gifts. When you...

 

Wednesday, December 6, 2017

Retirement planning today can ensure you have the funds to live comfortably in retirement without worrying about going back to work. IRAs, HSAs, 401(k)s, and other accounts allow you to multiply your savings with unique tax benefits...

 

Monday, November 27, 2017

The weather is getting cooler as 2017 is drawing near. We can all feel it. If you're like many older Americans on a fixed income, you like to do a little planning ahead. If you're wondering how large your Social Security check will be...

 

Saturday, November 4, 2017

Each fall, the Internal Revenue Service announces adjustments to individual taxes, deductions and credits. The IRS issued these inflation adjustments for 2018 on October 19, 2017. Inflationary pressure remained modest during 2017. As a...

 

Tuesday, October 24, 2017

Falling is a threat millions of aging Americans face, especially those 65 and up. At least one in four elderly people will suffer a fall each year. The CDC analyzed data from a 2014 Behavioral Risk Factor Surveillance System (BRFSS)...

 

Tuesday, October 24, 2017

Medicare Open Enrollment is your chance to reevaluate your coverage and change plans. It is also called the annual coordinated election period or the annual election period and you can change your coverage whether it is an Advantage...

 

Friday, October 13, 2017

Your 50th birthday is a big milestone in your life, and once you’re past it, you should think about ramping up your retirement planning. Hopefully you’ve been hitting your goals every year. But no matter what your financial...

 

Thursday, September 28, 2017

Retiring can be an exciting time, but it can also be scary because you are no longer earning an income. When you’re retired, you rely on your investments on which to live, which can be worrisome if your expenses are high. If you...

 

Tuesday, September 12, 2017

Many people in Houston and in the surrounding area were hit hard by hurricane Harvey. They have suffered major losses. Hurricane Irma is likely to have long term effects on the U.S. now as well. The entire country will suffer major...

 

Friday, September 1, 2017

When it comes to retiring, experts are pretty unanimous, Americans are not as prepared as they should be. There are many smalls steps that people should take to have the lives that they want in their golden years. These steps also tend...

 

Friday, August 25, 2017

Wills and trusts are both invaluable estate planning documents but they serve very different functions and are used at different times. Used in combination, they can help provide a comprehensive estate plan and both should be addressed...

 

Friday, August 18, 2017

Retiring is the goal of every worker who dreams of leisurely breakfasts and time in the garden. However, getting to retirement takes some financial effort and strategic planning. The reality of having no job means that you're on your...

 

Friday, August 11, 2017

Retirement Investing And Risk Tolerance Investing for retirement is the ultimate display of human patience and ability to overcome natural human instincts. This is because it is difficult for people to overcome their desire for instant...

 

Tuesday, August 8, 2017

Retirement is not the end of your life. In fact, for many, it's the beginning of one of life's most exciting chapters. There is a choice one must make, though, between sitting around and letting life go by and embracing the life that...

 

Friday, July 28, 2017

Your adult children need all the support and encouragement they can get from you when it comes to money. Many people today require the advice of not just a professional money manager but individuals who have been through life and have...

 

Friday, July 21, 2017

These days, more and more people are putting off retiring by the time they reach 65. Instead, these Baby Boomers are opting to continue working until they are a bit older, usually by the time they reach 70. There are a variety of...

 

Friday, July 14, 2017

It began in December 2015, the Federal Reserve started a policy of raising interest rates to more common historical levels. This was the first rate increase since 2006, and there have been additional hikes in the months since. While...

 

Friday, July 7, 2017

At one time or another, roughly half of the citizens living in the United States will have to obtain high levels of services and support for long-term care after the age of 65. Such support will go toward helping them to have a quality...

 

Friday, June 30, 2017

How nice would it be to not have a mortgage payment in the world as you near retirement? Some think about this and believe that it is always the right way to go, but there is a little more debate about the topic than you might at first...

 

Tuesday, June 27, 2017

Long-Term Care is an important topic you should discuss with your family and Financial Advisor. It covers all long term care costs including those not covered by health insurance or Medicare. Individuals who are unable to achieve daily...

 

Monday, June 19, 2017

One of the most significant problems with most people’s retirement plans is that they do not account for changes in spending levels over the years. Most retirees will likely plan for inflationary adjustments, but is it really...