Protecting your family and your assets from risk is an important aspect of any sound financial strategy.

Does The Calculation “120 Minus Your Age” Make Sense Anymore?

"For years, pre-retirees have been told to follow a "120 minus your age" investing formula. But, do dramatic shifts in the economic landscape make that advice obsolete?" Eric Coons A fundamental principle for an investor is the gradual reduction of risk as you approach retirement age. It makes sense because retirees generally don't have the [...]

By |2021-06-17T22:17:57+00:00June 10th, 2021|Annuities, Insurance, Investing, Retirement Planning|

Are You Prepared If You Are Forced To Retire Early

"Since the pandemic was first declared, over 2 million older workers have exited the workforce for good. But, unfortunately, this is not always by choice."- John Ripley Forced early retirement is a problem for the entire nation. In the period after the COVID-19 pandemic was declared a national emergency, thousands of older Americans find themselves [...]

By |2021-06-04T18:04:29+00:00June 4th, 2021|Annuities, Estate Planning, Insurance, Retirement Planning|

Depending On Cash Dividends In Retirement Could Be A Mistake

Many retirees today purchase cash dividend stocks as another source of income during their retirement.  While there are several positive attributes of cash dividends, they all carry a risk….and uncontrollable risk: The dividends may be reduced at any point in time or stop completely.  You have no control over the amount or timing of any corporate dividend. [...]

By |2021-05-25T00:22:45+00:00May 24th, 2021|Annuities, Insurance, Retirement Planning|

Do You Really Have To Choose Between Paying Off Debt Or Saving For Retirement?

"Some people believe that you only have one option: either pay off debt or save money. What if it were possible to do BOTH? What if there were a way to turn your debt into wealth?"- Teresa Kuhn. As a specialist in transforming debt into wealth, I am acutely aware of the dilemma faced by [...]

Why Achieving Financial Unity Is Critical For Married Couples

"Widowhood and divorce remain financially and emotionally devastating. Even younger women are wise to plan for the day when they no longer have their spouse or significant other." Raina Greene Karla N. (not her real name) epitomizes the 21st Century woman; self-assured, confident, entrepreneurial, and well-educated. Karla married at age 21, right after receiving her [...]

By |2021-05-06T18:44:08+00:00May 6th, 2021|Annuities, Estate Planning, Insurance, Investing, Real Estate|

Is Medicare Advantage “Actually” Free?

Medicare Advantage is becoming more and more popular with America’s seniors. In fact, according to the Centers for Medicare and Medicaid Services, 40% of Medicare beneficiaries are enrolled in a Medicare Advantage Plan. But what is it? How does it work? And is it really free? Let’s start from the top. Medicare Advantage Plans are [...]

By |2021-04-26T17:00:41+00:00April 13th, 2021|Insurance, Retirement Planning|

If You Are Approaching 65 You Should Know Your Medicare Options.

"Medicare can be a very complex, confusing subject. Still, it is an essential component of your retirement. A basic grasp of Medicare will help you make better retirement and income decisions."-Bill Duggan If you are nearing 65, you may be thinking about making the best choices concerning Medicare. Since it is a government program, you [...]

By |2021-04-13T21:54:06+00:00April 7th, 2021|Insurance, Retirement Planning|

Market Volatility and Income

You’ve worked hard all your life, played by the rules only to have a majority of your nest egg wiped out due to something you could NEVER have controlled. For most of us, this would be devastating and possibly life-changing! For most pre retires and retirees, the #1 concern they have is fear of running [...]

Why Both Spouses Must Be Involved When It Comes To Retirement Planning

"But my spouse is more of a "numbers" person" It is a lousy reason to surrender your role in your financial future." Brad Rhodes Financial giant UBS Global Wealth Management did a study recently in which 54% of women surveyed admitted they let their spouse be the leader in the family finances. Some of the reasons [...]

By |2021-04-14T21:44:56+00:00March 24th, 2021|Insurance, Retirement Planning|

It’s Always Wise to Include Annuities

"Offering retirees the chance to obtain tax-deferred growth and guaranteed income in retirement, annuities should always be part of a retirement and income specialist's tool kit." Michael Masor. Successful financial advisors understand that the days of selling a product and never seeing that client again are long gone. Instead, retirement planning has morphed into more [...]