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Health Insurance in the Summer

Health insurance isn’t a topic that’s approached during the summer months. With all the traveling and busyness of the season, we tend to put the consideration of health insurance plans off until Open Enrollment in November. However, summer is a perfect time to begin the process of examining your health insurance needs and doing your due-diligence in finding the best suited health plan for you and your family. This topic is one we often help our clients navigate. Here are

Team Marathon for the Cure – a Postscript

$191,000+ Over 21 years – Simply Awesome! The weather was picture perfect, sunny blue sky and 65 degrees. The warmth of the sun added to the warmth of the energy from so many participants. With our Team, Marathon for the Cure, of 26 people there was no question that it was a day filled with emotions and success. With a list of names on the backs of our Team Members, walking in honor or in memory of a loved one, we found the inspiration

Today is the Day You’ll Learn More About Life Insurance

Have you ever awakened after a wonderful night’s sleep, opened your eyes, stretched, looked out the window and said to yourself wistfully, “Today is the day I’ll learn more about life insurance.” Probably not. Life insurance isn’t exactly something we like to toss around in our heads while we go about our day. However, there are times in life when the topic becomes extremely important – and we wish we learned more and select the right life insurance coverage for

What Would It Take To Become Financially Fearless?

I was talking to a friend yesterday and we somehow arrived on the subject of how many of us, women especially, suffer anxiety over our finances. This can happen whether we are financially sound (earning a good salary, meeting our financial obligations, have money in the bank), or if we are in a tenuous financial situation (whether it be death of a spouse or partner, divorce, job changes, etc.). At this very moment I have several clients who are working well

4 Steps to Protect Your Family’s Financial Future

Did you know everyone has an Estate? Even you! Did you know YOU will have the power to say what happens to your estate even after you’re no longer living? You DO, and everyone, regardless of wealth amount, should have a plan in place for the final settlement of their estate.   Most people hear the word “estate” and think of mansions with horse barns and tennis courts. While this isn’t incorrect, it doesn’t describe estates in their most basic form. We

The pitfalls of handling your own financial matters: The Importance of Working With your Financial Advisor

We are now in the heart of tax season, and many of us have our taxes prepared by a Tax Accountant or CPA. In the same way we hire a plumber if we need a pipe unclogged, an attorney to write our wills and prepare other legal documents, an electrician for electrical work, and a mechanic to work on our cars. However, many balk at the idea of hiring a Financial Advisor to assist with investment planning or future money

Financial Homework Before The Year Ends

As we approach the end of the year, we all too often become so busy that we forget to attend to some very important issues.  Just as we should remember to change the batteries in our smoke detectors on the 1st of April [National Smoke Alarm Day] we should equally be vigilant to check a few other things in December. Find a day to devote a few hours to the following: Insurance policies: December is a wonderful time to check your

Ten Year-End Tax Tips for 2018

Ten Year-End Tax Tips for 2018 Here are 10 things to consider as you weigh potential tax moves between now and the end of the year. 1. Set aside time to plan Effective planning requires that you have a good understanding of your current tax situation, as well as a reasonable estimate of how your circumstances might change next year. There’s a real opportunity for tax savings if you’ll be paying taxes at a lower rate in one year than in the other.

How can I safely shop online this holiday season?

Shopping online is especially popular during the holiday season, when many people prefer to avoid the crowds and purchase gifts with a few clicks of a mouse. However, with this convenience comes the danger of having your personal and financial information stolen by computer hackers. Before you click, you might consider the following tips for a safer online shopping experience. Pay by credit instead of debit. Credit card payments can be withheld if there is a dispute, but debit cards are typically

Life Insurance with a Refund

Comparatively speaking, of all the different types of life insurance available, term is usually the least expensive. Generally, term life insurance provides protection for a stated or defined period of time, usually from one year to 30 years. If you die during the coverage term, your beneficiary receives the death benefit from the policy. But what if you outlive the term? With return of premium (ROP) life insurance, you receive the return of all your premium payments at the end