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

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 |2021-04-07T22:10:14+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 [...]

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 [...]

Will The Future Be Surviving A Financial Armageddon?

"Will the future be surviving a financial Armageddon? Big Stock Market increases of wild Market swings that keep you up at night?" - Ray Cessna There are times in your life that you will never forget!! Dates that you know exactly where you were and what you were doing. Would your grandfather say he was [...]

Will You Be Dragging Debt With You When You Retire?

"According to recent Federal Reserve research, Americans are behind on more than $600 billion in bills. Nearly one in ten of us has a debt in collection."- Teresa Kuhn. In the fourth quarter of 2020, total U.S. personal debt reached a record $14.15 TRILLION, higher than the pre-recession peak of $12.68 trillion. The debt situation [...]

Long-Term Care: Most Americans Don’t Even Know They Are Going To Need It.

"U.S. government statistics say that over 70% of Americans 65 and older will need long-term care at least once in their lives. Yet, only 33% of us understand and acknowledge that we're likely to need long-term care in the future."- Robert Cannon Various studies over the past decade indicate that Americans tend to vastly underestimate [...]

Is Your Financial Advisor Talking Up “ILAs?”

"You may be hearing more about a newer type of annuity product- the ILA, or "buffer" annuity in the coming months. But, be careful you know the pros and cons before jumping on the bandwagon."- Dave Barr With interest rates hovering near-zero for at least the next couple of years, indexed linked annuities (ILAs), also [...]

By |2021-03-02T18:38:39+00:00February 27th, 2021|Annuities, Estate Planning, Insurance, Investing, Retirement Planning|

The U.S. Debt Gone Mad!

If you know the truth about America's finances, it should make you mad! Consider that One-fifth of all United States dollars ever printed has entered existence within the past year. A WHOPPING 20% of our new money supply printed within the past year! This craziness has led the Federal Reserve to expand the US balance [...]

Mistakes Government Employees Must Avoid If They Plan On Retiring In 2021-2022

“If you are a federal or state employee planning to retire in the next year, you should waste zero time planning your exit.”- George Politarhos If you are like most federal employees under the Federal Employees Retirement System (FERS), you have numerous things to consider. Many Federal, State and local employee programs complicate retirement planning [...]

Are “Hybrid” Policies The Cure For Rising Long-Term Care Costs?

"Even before the pandemic, the senior health care marketplace was experiencing rate increases, capacity shortages, and changes in coverage. The pandemic further deepened these trends." As you plan your eventual exit from the workforce, it is likely your retirement and income planner has talked to you about the need for long-term care insurance. Long-term care insurance allows [...]