life insurance
Do You Actually Need Life Insurance in Retirement?
Some retirees absolutely need it. Some are paying for something they don't. Here's how to know which one you are, and what to do with a policy you no longer need.
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life insurance
Life Insurance Types: A Plain English Guide for Retirees
Term, whole, universal, indexed, guaranteed, final expense. Six products, six different purposes. Here's what each one actually does, who it's designed for, and the red flags that matter.
fiscal-fridays
Fiscal Fridays Episode 2: Things You Thought Were Protecting Your Family
A mom in a nursing home, an annuity that won't pay out, a timeshare that cost thousands and sold for zero, and a CD that was never designed for you. Episode 2 hit different.
inheritance planning
September Soars In: Estate Planning and Medicare Prep
As summer ends and family grows, it's time to update estate plans and get ready for Medicare Annual Enrollment Period.
Retirement Income
Why Your Medicare Agent Is About to Call You About Life Insurance
I'm watching it happen in real time from a conference floor in Dallas. Thousands of healthcare agents are adding life insurance to their playbook. Here's what that means for you.
Medicare & Healthcare
It's Almost Medicare Open Enrollment Time Again...
Time to start thinking about the Medicare annual enrollment period and what changes you may need to make between October 15th and December 7th.
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Discovery
We start by learning what you want to accomplish and what you have to work with. We can't help if we don't know the full picture.
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Build Your Plan
We keep the best of what you already have, replace what can be better, and make sure nothing is falling through the cracks.
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As life changes, so should your plan. We lock in an annual review to make sure everything is still working for you.
Medicare & Healthcare
See What Smart Medicare Planning Looks Like →
Medicare & Healthcare
Keep Your Blood Pressure in Check This Winter
When the temperature drops, your blood vessels tighten up to keep you warm - but that also means your blood pressure can rise.
Medicare & Healthcare
November Reflections: Medicare Changes and Growing Families
The leaves are turning, families are growing, and Medicare plans are evolving. A perfect time to pause, reflect, and plan ahead.
Medicare & Healthcare
Medicare: A personal journey of insight and advocacy
Five years ago, I became eligible for Medicare. Having helped others navigate it for years, I thought I knew it all. But experiencing it firsthand gave me a whole new perspective.
Medicare & Healthcare
It's Almost Medicare Open Enrollment Time Again...
Time to start thinking about the Medicare annual enrollment period and what changes you may need to make between October 15th and December 7th.
Retirement Planning
Discover How Retirees Protect Their Income →
Retirement Income
The Tax-Free Bucket Most Retirees Are Missing
Most people retire with nearly all their savings in accounts the government still gets to tax. Life insurance can quietly build a third bucket that it does not. Part four of More Than a Death Benefit.
Retirement Income
The Policy That Helps You While You're Alive
Almost 70 percent of people turning 65 will need long-term care, and Medicare will not cover most of it. Some life insurance can step in while you are still living. Part three of More Than a Death Benefit.
Retirement Income
Be Your Own Bank: The Cash Value Most People Never Touch
Some life insurance quietly builds a pool of money you can borrow against, tax-advantaged, for anything you want. Here is how cash value actually works, and the honest truth about whether it is worth it. Part two of More Than a Death Benefit.
Retirement Income
Do I Need Life Insurance in Retirement? (An Honest Answer)
The honest answer is: it depends on the job you need it to do, and for some people it is no. Here is how to tell which side you are on. The first in our series, More Than a Death Benefit.
Inheritance Planning
Learn How Families Preserve Their Legacy →
inheritance planning
The Family Bank: Setting Up the Next Generation While It's Cheap
A policy on a young child or grandchild can lock in lifelong insurability and quietly build a pool the next generation can borrow against. Here is how the family bank works, and the honest catch. The finale of More Than a Death Benefit.
inheritance planning
Your Own Life Insurance Could Be Adding to Your Tax Bill
A life insurance policy you own is counted in your taxable estate, which can quietly add to the very tax bill you hoped to cover. A special kind of trust is the fix. Part six of More Than a Death Benefit.
inheritance planning
The Nine-Month Problem That Forces Families to Sell What They Love
When a large estate owes federal tax, the bill is due in cash within nine months, and the extension to file is not an extension to pay. Here is how life insurance keeps families from a fire sale. Part five of More Than a Death Benefit.
inheritance planning
A Christmas Gift Beyond Measure: Estate Planning for Your Family
Margaret gave her family something that couldn't be wrapped—complete estate organization that would spare them stress and confusion when she's gone.