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Welcome and thank you for stopping by. Our blog sets the heading to separate financial fiction from financial fact to help keep you afloat and stay the course. From 401(k) IRA Rollovers to Life Insurance, Living Trusts, Social Security, Annuity Rates and everything in between, we are here to educate the community about important financial topics that affect your estate and retirement plans.

Is Your Family Covered with Life Insurance?

Too many Americans have no life insurance. Their loved ones may pay dearly for that choice. September is National Life Insurance Awareness Month – a good time to think about the value and importance of insuring yourself. According to a recent Bankrate survey, 42% of Americans have no life insurance at all. They may not know that life insurance coverage has become much more affordable than it once was.1 Many people ask if life insurance is really worth the cost; maybe you are among them. The simple answer to that question is yes. It can be stunningly cheap: a healthy, non-smoking man in his thirties may pay less than $45 a month for a $1 million 20-year term policy. Permanent life insu

Medicare Enrollment: Your Options for 2017 and 2018

Key Medicare enrollment periods are approaching. This fall and winter, there are three periods in which Medicare beneficiaries can either enroll or dis-enroll in forms of coverage. >> Oct. 15-Dec. 7, 2017: Open enrollment period. This is when you can exit Original Medicare (Part A & B) for a Medicare Advantage Plan (Part C) and change your prescription drug coverage (Part D). You can also get out of a Part C plan and go back to Part A & B during this period; although, you will certainly want a Medicare Supplement (Medigap policy) in place before you make such a move. (In most cases, that means having to pass underwriting.)1 >> Dec. 8, 2017: Annual enrollment period begins for 5-star plans.

One of the Best Letters You Will Ever Write: Your Retirement Resignation

Are you ready to retire from your job? Even if you're not there yet, download our sample retirement resignation letter to use in the future and to serve as motivation to plan for your retirement. You worked your tail off for all of these years, you made the smart decision to save for your retirement, and now the time has come. You’re ready to retire. While you're thinking about all of the amazing things you plan to do in retirement, whether it's traveling, taking up new hobbies or spending more time with your family, there's one last order of business that must be completed to start your retirement on the right note. The retirement resignation letter. The best way to go about this is to let

Fixed and Indexed Annuities: Fact or Fiction Quiz

Fixed and Fixed Indexed Annuities may be the most misunderstood retirement vehicle of all time. But are they really that complicated? After the introduction of the first fixed indexed annuity back in 1995, just about every non-insurance based advisor (broker, banker) made sure they let the world know just how terrible and complicated they thought this financial product was. We've heard it all and promise to address that issue in a future article. Today, just about all of them now offer fixed and indexed annuities (FIAs) and if they don't, they are doing a disservice to their clients who have a lower risk tolerance making securities unsuitable, but need more guaranteed benefits than banking p

The Cross Purchase Business Buy Sell Agreement

Do you have a plan for sustaining the business you worked hard to build after your death? Business owners are builders. They spend their lives building firms to provide goods and services to their clients, and those firms provide them with a living. But nothing can tear down that lifetime of work faster than the death of a business owner, or the death of a business partner. Often, much of the value of a business dies with the owner. Small business owners face two major succession questions. First, can the business heirs keep the company afloat when the owner dies, or at least avoid surrendering it at a “fire sale” price? The executor/trustee of a deceased business owner’s estate can elect to

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You’ve probably been planning for retirement in some way, shape, or form for many years. Maybe you participate in your company’s 401(k) plan or set aside money in a traditional or Roth IRA. Maybe your employer offers a pension plan. As you get closer to retirement, it’s important to plan for your retirement income in specific detail.

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