COTO Insurance & Financial Services Blog

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How Much Life Insurance Do You Really Need?
October 1, 2018

In my many years of working one-on-one with clients, I have learned something important about life insurance: There are no cookie cutter, one-size-fits-all answers. Sometimes a client will call me, and say something like, “I need to purchase 100,000 dollars in life insurance”. My reply is, “How did you arrive…

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With Social Security, Timing is Everything
September 24, 2018

For most of us, Social Security will provide a significant portion of our retirement income. It’s no wonder we tend to focus on “how much” we will receive, as a part of the retirement planning process. You already know that the final benefit amount depends largely upon your work history…

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Why Is It Important to Have a Trust?
September 17, 2018

When I meet with a new client, a Trust is one of the first things we investigate together. If the clients have not already established a Trust, I advise them to do so right away. Why is a Trust so important? Someday when you pass away, your estate will automatically…

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5 Questions to Ask About Your Life Insurance Policy
September 10, 2018

No one really wants to think about the end of their life, or picture their loved ones carrying on without them. So it’s no wonder that many people tend to gather their courage once, enroll in a life insurance policy, and then never think about it again. That’s understandable, but…

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