How Much Life Insurance Do You Really Need?
July 11, 2025A common recommendation is to carry life insurance worth 10 to 15 times your annual income. While this is a useful starting point, it is not a one size fits all formula.
The Surprising Benefits of Term Life Insurance for Young Families
July 10, 2025Applying for term life insurance while you are still young and healthy means you can lock in the lowest possible rates. The longer you wait, the more expensive coverage may become.
Term Life Insurance vs. Permanent Life Insurance: Which One Is Right for You
July 9, 2025When shopping for life insurance, one of the first and most important decisions you will face is whether to choose term life insurance or permanent life insurance. Here’s what you should know…
5 Signs It Is Time to Update Your Life Insurance Policy
July 8, 2025Significant life events often require a fresh look at your insurance coverage. Whether you have welcomed a new child, purchased a home, or launched a business, these milestones can dramatically shift your financial obligations.
Guaranteed Universal Life Insurance: The Hidden Gem of Long Term Coverage
July 7, 2025Guaranteed universal life insurance is an excellent fit for individuals who want reliable lifelong coverage without the complexity of managing a policy’s investment component.
How to Use Universal Life Insurance for Retirement Income
July 6, 2025Universal life insurance is a flexible type of permanent coverage that combines a death benefit with a cash value component, making it a useful financial tool for long term planning.
Social Security Benefits: Spouses, Ex-spouses and Surviving Spouses
July 30, 2019As you begin the retirement planning process, it’s important to have a strategic income plan with regard to Social Security benefits. It is particularly important for married couples to consider not only when the primary breadwinner should begin drawing benefits but also how that start date could affect a spouse…
Assessing your Mortgage Situation in Retirement
July 23, 2019When it comes to retirement preparation, a common benchmark goal is having one’s mortgage paid off. This typically removes a large, ongoing payment from the budget and can reduce retirement expenses substantially. Some people even schedule their retirement just after their final payment date. Here’s an even better idea: Schedule…
Why Buy an Annuity When the Market is Up?
July 16, 2019Perhaps you are familiar with an annuity. The basic premise is that you convert a lump sum of money into a stream of income. Unlike an investment, once you commit a fixed amount of money to the insurance company, that company is contractually obligated to provide you a minimum level…
Tech Talk: Energy Innovation, Machine Learning and Artificial Intelligence
July 9, 2019Technology is the largest single segment of the stock market — bigger than the industrial and financial sectors. It’s also an industry of constant innovation and unlimited potential, presenting enormous investment opportunities for both institutional and Main Street investors. This is great for tech companies needing substantial capital to fund…