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).
When asked to name their most valuable asset, most people would identify their tangible items, investments, or properties, but nearly all fail to recognize that their ultimate prized possession is themselves. In times where you can own insurance on nearly every household item, many haven't even purchased an insurance policy on their own life. While the basic concept of
When people decide that they need to eat healthier or lose weight, they know that they have to change their behavior. That’s easier said than done for most, which is why diet prgrams are so popular because they provide a system for automatically controlling portions and nutrition. More importantly, they provide an easy way to establish weekly goals, track activities and keep s
If given the choice, most people would choose financial freedom over financial servitude. Who doesn’t want to be financially independent where their money is working for them as opposed to them working for money? The problem for many is that kind of choice is an abstract exercise of futility as they struggle to navigate the waters of daily living paycheck-to-paycheck or in a c
There’s no denying that Americans are in love with their credit cards; but increasingly, the romance is rocked by the actions of unsavory characters seeking to come between them. More specifically, they’re seeking to steal your credit card information and they are relentless in pursuing any and all technological means to get it. They will go after the big, “secure&
As financial advisors, we are continually seeking ways to keep information safe online. As identity theft and fraud are becoming increasingly more common, we all have to be more diligent to protect our identities and assets. A recent experience that impacted one of our clients illustrates a real-world example of identity theft and how we were able to protect our client from the scam
With rates as low and competitive as they have ever been, it’s as close to a “buyers” market in life insurance as we’ll get. Still, in these cash-strapped times, curbing all costs and expenses is a priority for most people, and buying life insurance is no different. While the cost of life insurance is predicated upon several factors over which we have little
Age 30 is a divergent time in most of our lives. To the young, it’s the time when you’re thrust into full-blown adulthood, whether you’re ready or not. To the young at heart, 30 may be considered the early years before your true confidence shines, in your career, in your relationships, or even in yourself. Either way, your 30s are an incredible age when you&r
We are ready to make 2018 the best year yet for our clients!
As our specialty is helping others plan their financial futures, we strive to offer our clients one-on-one support so they can navigate their financial plan with ease. Our client process truly is a collaboration that begins amongst our own team.
Maintaining a monthly budget isn't as simple as it may seem for the average family. Day to day expenses, bills, a mortgage payment, insurances, education costs, and saving for retirement can make or break a budget. So in these times, it’s important to take some relatively easy steps to stretch your budget.