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Can Blended Life Insurance Provide the Best Protection at Lowest Cost?

The good news is that life insurance rates continue to decline and people are buying more term life coverage than ever before. The bad news, is that many people are recognizing that the need for life insurance last a lot longer than most term policies. After the term policy expires, the cost to buy a new policy can get expensive.

What’s Your Whole Life Plan?

In the ever changing landscape of life insurance products, there remains one stalwart that has changed very little since the first American life insurance companies emerged in the mid 1800s - the Whole Life plan.

Your Emergency Fund and 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.

Tax Planning Basics

For years it was assumed that tax planning was reserved for the wealthy. While wealthy individuals will see the most benefit from tax planning, with big changes looming for the 2018 tax year, even middle-income earners can reap the benefits of tax planning.  

Estate and Gifting New Rules

Being able to leave a legacy or help a child or grandchild with their education is important for many of our clients. Understanding how taxes affect gifts and estate planning before gifting to family can be a key part of estate planning.

Retirement Income Planning Requires Realistic Spending Assumptions

If you have read any literature on retirement planning or have received advice from a financial professional, chances are you were presented with the 70% rule, the one that suggests that retirees will need between 70 and 80% of their pre-retirement income in order to maintain their standard of living.

Financial Planning for Newlyweds

Congratulations Newlyweds! Your fresh union symbolizes a new beginning facing the world. But before the glow of wedded bliss wears, it’s crucial to talk about finances.

How Your Social Security Survivorship Benefit Affects Your Life Insurance Needs

Generally speaking, conversations about life insurance revolve around whether you should buy term or permanent insurance. However, every decision to buy life insurance begins with deciding what is the right amount of life insurance. And, integral to determining the right amount of life insurance is understanding the role of your Social Security Survivorship Benefit (SSSB).

Pay Yourself First - The Holy Grail of Personal Finance

Remember way back to your first paycheck. The moment you open the envelope anticipating the windfall when all your hard work pays off. Then, like a swift kick to your gut, realty hits. Your takeaway earnings are almost always way lower than what you expected.

Using Life Insurance to Maximize Pension Options

One of the most fundamental tenets of financial planning we faithfully apply in our work with our clients is to Plan for the Expected, and Prepare for the Unexpected. Our many years in practice have provided us with continuous reminders that life-unexpected happens with the potential to derail the best laid plans for the expected.

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