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You’re probably familiar with the classic retirement accounts such as 401(k)s, IRAs, and pensions. But did you know there is a financial product out there that is customizable and can be tailored to your specific risks and financial goals? An annuity is an insurance-based financial product that takes in payments from individuals and pays them […]Continue reading
What’s the best way to calculate how much insurance coverage you should buy? What’s your risk tolerance? What will you need? How much can you afford? How long of a period should I insure myself for? How much can you afford? What does projected inflation look like? What coverage will give you peace of […]Continue reading
Ever wonder what type of life insurance is best for you? It depends on various factors, including how long you want the policy to last, how much you’re willing to pay, and if you wish to use the policy as an investment vehicle. Let’s look at some options. Term Life Insurance Pros: It’s often […]Continue reading
Long-term care is generally the most significant question mark when saving the optimal amount for your retirement years. According to Financial Professional Barry Bigelow, “statistically, if you’re a married couple, there’s a 25% chance one of you’ll need this type of care.” The concern here because, it’s an unknown expense based on unknown needs. This […]Continue reading
Every generation views their situation differently, from fashion to food to finance, and currently, there are seven defined generations. Let’s see how their views differ on finances and if you line up with your generation. 1910-1927 The Greatest Generation: Frugal savers This generation grew up learning to save pennies and fix things before buying something […]Continue reading
For young couples just getting started, new commitments, such as buying their first home or having children, bring with them the responsibility of making sure their loved ones are financially covered. Life insurance can help loved ones maintain their standard of living and keep your family’s plans for the future on track after you’ve passed […]Continue reading
A 401(k) is a common savings tool for many working Americans. It’s an easy way to save and generally comes with the benefit of employer matching. But are you really clear on where your money is invested and if it’s the optimal place for your stage in life? It’s time to look at the […]Continue reading
The plans you considered so important at the end of 2021 may not hold that same importance now that we’re in the middle of 2022. It’s time to see if your financial goals are still relevant and if yes, are you meeting them? It might also be time to consider a budgeting app or online […]Continue reading
If we’re not careful with spending habits, the phrase “where does the time go?” can easily be applied to “Where does the money go?”. And this applies to the old and the young, so it pays to start early with good financial habits. Know your credit score If you aren’t already building credit, it […]Continue reading
Many Americans underestimate the impact that caring for a loved one can have on their lives, marriage, work, and finances. In a column by Michelle Singletary, a Washington Post columnist, an “AARP study found that three-quarters of family caregivers regularly spend their own savings on caregiving expenses—which averages to 26% of their income.”1 President […]Continue reading
