Important Birthdays Over 50

Most children stop being “and-a-half” somewhere around age 12. Kids add “and-a-half“ to make sure everyone knows they’re closer to the next age than the last.When you are older, “and-a-half”...
Read MoreMost children stop being “and-a-half” somewhere around age 12. Kids add “and-a-half“ to make sure everyone knows they’re closer to the next age than the last.When you are older, “and-a-half”...
Read MoreWhen our parents retired, living to 75 amounted to a nice long life, and Social Security was often supplemented by a pension. The Social Security Administration (SSA) estimates that today’s average 65-year-old woman will live to...
Read MoreAccording to the most recent information available, Americans have individual life insurance with a total face value of $12.4 trillion.1Due to a variety of factors, these individuals may find themselves in circumstances where the...
Read MoreFederal estate taxes have been a source of funding for the federal government almost since the U.S. was founded.In 1797, Congress instituted a system of federal stamps that were required on all wills offered for probate when property...
Read MoreThe New Year is almost here, and the time is right for hot chocolate, indoor activities, and fun. It’s also a good time to consider a few financial goals. Here are some questions to ask yourself with the year to make and keep...
Read MoreIf your home is anything like mine, the holidays can be a time to indulge in a little good-natured consumerism. We all know it should be more about memories and less about money. But we also know that togetherness brings heftier...
Read MoreMedicare’s annual open enrollment period, allowing recipients to make changes to their coverage for 2023, ends Wednesday, December 7, 2022.The Advantage Plans, known as Medicare Part D, are the prescription drug plans that make...
Read MoreThe Internal Revenue Service has released new limits for the coming year. After months of high inflation and financial uncertainty, some of these cost-of-living-based adjustments have reached near-record levels.Individual Retirement...
Read MoreAs you work to invest and prepare for your retirement goals, may we help you in other ways? I mention this because retirement and financial strategies represent a portion of what I do. I also offer and provide insurance services to my...
Read MoreHow long has it been since you’ve reviewed your Medicare policy? With open enrollment, there are a few questions you may want to ask yourself before you renew, add, drop, or switch coverage.Have you switched doctors, or is your...
Read MoreAs one year ends and another begins, you naturally think about the state of your business – what is working well, and what could improve in the future. When was the last time you thought about the state of your company’s...
Read MoreTraditionally, I’ve been a little cautious when people say, “it’s different this time.” After all, the past few years have seen more financial “firsts” than most.But despite that skepticism, this...
Read MorePreparing for retirement just got a little more financial wiggle room. This week, the Internal Revenue Service (IRS) announced new contribution limits for 2022.Staying put for 2022 are traditional Individual Retirement Accounts (IRAs),...
Read MoreKnowing when it’s the right time to retire can be difficult, especially if you love your job. Even professional athletes have a hard time knowing when to walk away!These athletes thought they were ready for retirement but...
Read MoreMedicare’s annual open enrollment period begins October 15 and ends December 7. During this time, current Medicare beneficiaries have the option to adjust their coverage for the coming year. Any changes to your plan will go into...
Read MoreWe’re entering a tricky time of year: September and October have a reputation for bringing an extra measure of market volatility.Some of the stock market’s most challenging events have hit in September and October, and...
Read MoreThe White House recently forgave up to $10,000 to student loan borrowers as part of a larger debt forgiveness program. There are still quite a few questions to be answered, but here are some key points to know.Pell vs. non-Pell: Loan...
Read MoreSeniors age 65 and over spend over four hours a day, on average, watching TV.8Retirement can have many meanings. For some, it will be a time to travel and spend time with family members. For others, it will be a time to start a new...
Read MorePerhaps you’ve heard the maxim, “Preparation is the key to success.” But when it comes to life insurance, knowing when to prepare is almost more important than the preparation, itself.Sure, it can be difficult to...
Read MoreWhen markets fall, it’s easy to forget that downtrends are part of the investing cycle. So when prices slip, it's a good time to review some common terms that you may be hearing that describe today’s financial markets.The...
Read MoreWith nearly 4 billion people on social media worldwide, plus the risks of using online brokerage and bank accounts, the need for digital security has never been higher.While tech is becoming more secure in response to threats, there...
Read MoreHere’s a little-known fact that may help you save money on life insurance: when it comes to underwriting, insurance carriers typically rate clients to their closest birthday.What does that mean? It means that if you are 39 years...
Read MoreEver considered writing your own will? While you can draft a will on your own, there are plenty of reasons why you may not want to go that route. Most people do it to save money, but they may overlook or forget to take care of some...
Read MoreAre you saving for the future?People often come to me asking for financial guidance. Some want to know how to invest or diversify the money they’ve saved, but others admit to me they’re just not sure how to save. If...
Read MoreFor the first time in nearly 20 years, the IRS has released updated actuarial or life expectancy tables. Those who take required minimum withdrawals (RMD) from retirement accounts may already know we use these tables to calculate your...
Read MoreHave you been let go at work? What happens to the money you have saved in your employee retirement plan?If you have been terminated by your employer, you have 4 choices when it comes to your retirement plan money:Cash it out (and lose...
Read MoreIn our uncertain climate, it’s unsurprising that when American investors are thinking about their financial strategy, that the topic of life insurance comes up.For some, it’s always been front of mind. For younger investors...
Read MoreYou may have heard the saying, “inflation hurts savers and benefits borrowers.” The expression suggests that borrowers benefit from inflation because they pay back lenders with dollars worth less than when the money...
Read MoreIf you’re like most of us, you’ve probably been thinking about your health quite a bit lately — especially if you’re approaching retirement. Trust me, I understand. Anticipating your future medical costs can...
Read MoreThe SECURE Act of 2019 represented the biggest update to retirement law in over a decade. Now, Congress is deliberating on what “SECURE 2.0” legislation might entail.In March, the House passed the Securing a Strong...
Read MoreIn our uncertain climate, it’s unsurprising that when American investors are thinking about their financial strategy, that the topic of life insurance comes up.For some, it’s always been front of mind. For younger investors...
Read MoreRemember when a college education was reasonably priced? In the past 20 years, the cost of college tuition for public universities has risen 165%. College students and their families have been taking on more and more debt, and they are...
Read MoreNon-fungible tokens, or NFTs, have been the recipient of the latest buzz. NFTs are digital files attached to blockchain codes. If you know anything about digital currencies, you’re probably aware that these blockchain codes are...
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