Legacy planning is often the last piece folks tackle in their financial planning, because it’s the least appealing to think about.
Let’s talk about that for a moment. In our fast paced digital world we live in, when did our devices start ruling our lives? Do we truly value electronics more than ourselves? As I shopped around for a new mobile phone, I had to ask myself this question.
Teachers are on the front lines of our children’s futures, so it’s unsettling to see evidence that their own future is increasingly at risk.
It sure is fun to see the positive returns of a bull market. But, if you are cringing at the sight of significant downturns and losses when a big, bad, bear comes into view, perhaps the slow, steady, performance of a fixed indexed annuity should be part of your retirement savings mix.
If you're a small-business owner, you probably pour your heart, soul, and nearly all your money into your business. When it comes to retirement planning, do you cross your fingers and hope your business will provide the nest egg you'll need to live comfortably? What if you become ill and have to sell your business early?
Retirement can sneak up on you.
Summer’s finally here. The sun is out, it’s warm, the days are longer, and your worries seem just a little bit further away. But, folks, I’m sorry to say, sometimes storms roll in on the sunniest of days.
Universal life insurance was launched in the early 1980’s at a time when interest rates were historically high and its forebear, whole life insurance couldn’t satisfy consumer appetites for high returns that were available in bank CDs and money market accounts. Universal life offered an alternative means to purchase a permanent form of life insurance that also provided flexibi
Most people are familiar with the basic concepts of life insurance and understand that some level of protection is a necessary part of modern financial life. The question of what life insurance can actually accomplish, when considered as part of an overall financial plan, is more involved and worth a closer look.
401(k) plans were established by Congress to encourage individual savings towards retirement. Offered through employers, the plans are generally available to eligible employees who are allowed to contribute a percent of their salary to the plan.