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

Why You Should Review Your Insurance Regularly

Life events can have a massive impact on your financial affairs and trigger the need for a review of your insurance portfolio. If you experience or have recently experienced any of the following events in your life, it's time to call your insurance professional and schedule a comprehensive insurance evaluation.- Joe Runza If you're like [...]

By |2021-08-16T22:38:27+00:00August 16th, 2021|Insurance, Retirement Planning|

Healthcare And The Baby Boomers

The Baby Boomers are overpowering the health care system.   For over 100 years, the discussion of a national health care system in America has been both a hot and cold discussion. As president, Theodore Roosevelt first suggested a health care system that would be available for all Americans. In fact, as a candidate for [...]

By |2021-08-31T20:49:30+00:00July 8th, 2021|Estate Planning, Insurance|

Make Sure You Understand The Financial Burden Of Long-Term Care.

Make sure you understand the financial burden of long-term care. What's one of the quickest ways your clients can blow through their retirement nest egg? Long Term Care, and with a 70% likelihood of needing some level of extended care, is a predominant retirement risk that should be addressed in every conversation. Many people believe [...]

By |2021-07-06T15:24:13+00:00July 6th, 2021|Estate Planning, Insurance|

The Purpose Of Money Dictates Where We Invest

Let me say that all of America knows where to find Safety—CDs, money markets, and treasury bonds. All of America knows where to find an opportunity—the stock market. However, many do not know where to find safety, an opportunity for growth, liquidity, and income on the same dollar, at the same time, with no risk [...]

Retirees Should Invest In A Fixed Indexed Annuity 

As people get close to their retirement years, objectives and goals must adjust from accumulation to income distribution, and portfolio investment risk must be also be addressed accordingly. There is no good reason for investors at or near retirement to have stock or bond market risk, especially in the current low-interest-rate environment. So, where can [...]

If You’re Having Trouble Planning For Retirement, Your Brain May Be To Blame

"Life expectancies have dramatically increased in North America and much of the rest of the world. People now have to make critical life choices with a longer future in mind than ever before."- Teresa Kuhn. There's not much retirement advice I can give you that you haven't heard before. Parents, friends, co-workers, financial advisors, and [...]

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|