Blog
Insurance Needs Assessment: Married With Children
When you’re married and have children, insurance needs will be different. A growing family, by definition, means growing financial obligations—both present and in the future. Raising children can increase your insurance needs and heightens the urgency for being...
Orchestrating Your Retirement Accounts
Getting the instruments of your retirement to work in concert may go far in realizing the retirement you imagine. An orchestra is merely a collection of instruments, each creating a unique sound. It is only when a conductor leads them that they produce the beautiful...
How Retirement Spending Changes With Time
It can be difficult for clients to imagine how much they’ll spend in retirement. New retirees sometimes worry that they are spending too much, too soon. Should they scale back? Are they at risk of outliving their money? This concern may be legitimate. Some households...
Kids & Money
Tips for setting up children for financial success It’s the time of year when many parents are sending kids off to college to start newly independent lives full of exciting opportunities – new classes, new friends and many new opportunities. It may also be one of the...
Preparing for the Expected
You can plan ahead to protect yourself and your family against the financial consequences of deteriorating health. As Teddy Roosevelt once observed, "Old age is like everything else. To make a success of it, you've got to start young." The challenges seniors have met...
Traditional vs. Roth IRA
One or the other? Perhaps both traditional and Roth IRAs can play a part in your retirement plans. Traditional Individual Retirement Accounts (IRAs), which were created in 1974, are owned by roughly 41 million U.S. households. And Roth IRAs, created as part of the...
Consider Keeping Your Life Insurance When You Retire
Reasons to retain your coverage into your retirement years. Do you need a life insurance policy in retirement? One school of thought questions this decision. Perhaps your kids have grown, and the need to help protect the household against the loss of an income-earner...
A Home Insurance Claim: To File Or Not To File
Learn when it may not make sense to file a claim on your home insurance. Insurance is meant to protect you against financial loss. But is it really meant to protect you from any and all financial loss? When it comes to filing a loss claim on your home insurance, there...
Disability And Your Finances
In the event of an unforeseen accident or illness, disability insurance may be a good way to protect your income and savings. The Social Security Disability Insurance program paid out over $140 billion in benefits in 2021. And with new applicants each year, the system...
