News

16
Sep

Is Your Business Ready for Liquidation?

At some point, a successful business faces liquidation for all the right reasons. The business owner has built an asset that is now positioned to sell to another individual, a group of investors, or be acquired by a large corporation. Perhaps as the business has grown, planning has revolved around liquidating; however, often the liquidation plan hasn’t been put in

Read more

9
Sep

Social Security Q & A: Do You Know Everything About Social Security Retirement and Death Benefits?

How is my social security calculated? Social Security is calculated using your 35 highest paid earnings years and then averaged using the benefits calculation formula. You must have worked full time for at least ten years even to qualify to receive any social security retirement benefit. Currently, full retirement benefits age is between age 66 and 67 (October 2018). More

Read more

2
Sep

Are You Hurting Your Chance for Life Insurance Approval?

If you need life insurance, be aware that there are hobbies, professions, and circumstances that will hinder your chance for life insurance approval even if you’re healthy. An insurance company examines not only your health but also your personal history to determine if you’re insurable or an insurance risk:

26
Aug

Is A Fixed-Income Annuity Right for You?

In today’s low-interest-rate environment, there are fewer fixed income alternatives for retirees seeking income. Rates on traditional staples such as CDs and money market accounts are at or near all-time lows. For retirees seeking income and safety, fixed income annuities are an alternative to consider. Annuities are backed by the claims-paying ability of the insurance company issuing them. Once thought

Read more

21
Aug

Back To School Financial Guide For 2019

Back To School Financial Guide For 2019 In a recent study conducted by the ‘National Retail Federation and Prosper Insights and Analytics’, it was found that the average American family will spend just south of $700 for back-to-school costs in 2019. Is your child soon to be a college student? The same survey reported you should be ready to spend

Read more

19
Aug

Uninsurable? Guaranteed Issue Life Insurance may be for You

For people that have been diagnosed with a terminal illness or are in poor health, the idea of not having life insurance when needing it can be unsettling. For others who have a chemical dependency or have had one in the past, guaranteed issue life insurance (GI life) ignores the health risk of the dependence and provides the death benefit

Read more

12
Aug

Are You Losing Sleep Over Money?

Many Americans are losing sleep over money, according to a January 2019 survey by Bankrate. The media may report a ‘strong U.S. economy,’ but many people experience stress outside of what’s happening in the broader economy. The survey indicates that a large number of Americans live paycheck to paycheck and continue to struggle financially year after year. The top five money

Read more

7
Aug

The SECURE Act: A New Hope for Retirement Savings

What is underway as one of the most significant changes to retirement savings plans in years, the SECURE Act (Setting Every Community Up for Retirement Enhancement Act of 2019) was passed on May 2019 by the U.S. House of Representatives.  The Act is awaiting approval by the U.S. Senate later this month (August 2019). If passed, the SECURE Act will: 

Read more

9
Jul

Sizzlin’ Summer Series: PART 3

Sizzlin’ Summer Series: PART 3 What does Summer remind you of? Maybe it’s the feeling of jumping into a cool pool after a day in the summer heat; or maybe it’s the sound of the ice cream truck as you are bolting out the door with whatever change you could get your hands on. From lazy days in air conditioning

Read more

1
Jul

Do You Know Life Insurance Isn’t Just for Death Protection?

When most people think about life insurance, what usually comes to mind is settling final expenses and providing financial support for your loved ones. That is what life insurance is commonly used for, but there are other benefits of life insurance other than for protection at death: Estate Planning. If you have a large estate and want to ensure that

Read more