Estate Planning: Where Your Money Actually Goes Most people picture the estate tax when they think about inheritance. For the great majority of families, that tax will never apply — in 2026 it only reaches estates above $15 million for an individual, $30 million for a couple. The threats that actually reach ordinary families are […]
What Medicare plan do I want? There are 2 Medicare paths to take Medicare choices are confusing. We, and some clients, term it an alphabet soup. There are, however, some good things about Medicare choices (unlike Social Security). You can change your choice throughout your lifetime. There are 2 distinctive choices, and then choices with […]
Wealth Building and Protection We all need retirement money. It is likely that you have methods of saving and building the funds for the future. You may have an advisor for this accumulation phase. We work in conjunction with you, your advisors, and the plans that you have in place. Our expertise is not in […]
Long-Term Care 70% of folks over 65 will need some sort of long-term care (LTC) in their lives. Medicare does not cover LTC, except for a brief period after an in-patient hospital stay. 20% of LTC need is for over 5 years. So the question is – “What is the plan?”. The largest payor (30%) […]
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The need for Tax Planning Do you have a retirement tax strategy? Tax strategies are used to help you take advantage of tax codes that allow you to potentially reduce cost over your lifetime and the life of your beneficiaries. We cover strategies that we identify could help you on your specific situation. We look […]
When should you claim Social Security? Claiming Strategy to Maximize Benefits We know that delaying claiming benefits will yield a higher benefit for life, but other factors can affect an optimum solution. Considerations Are you Single or Married? When is your Full Retirement Age (FRA) When is the FRA of your spouse? When do you […]
Premium Financing Premium financing enables you to purchase the life insurance you need without liquidating other investments or substantially changing your normal cash flow. When properly structured, premium financing helps transfer your estate to your heirs without liquidating assets. Additional benefits include access to funds below market interest rates while retaining current stock positions or […]
What is an Annuity and Why might I want One? An annuity is a contract between an individual and an insurance company designed to provide a steady, guaranteed stream of income, primarily used for retirement planning. The individual (contract owner) makes a lump-sum payment or a series of contributions (premiums) to the insurer, which are […]
Why do I want life insurance? Obviously, the primary reason for life insurance is the death benefit. So, a better question is “What is the benefit of the death benefit?” But there is more to life insurance than just protection for loved ones and a death benefit. What are the uses of life insurance? Protection […]