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How Will You Handle The Cost Of Long-Term Care?

February 6, 2019
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Written by Matt Boelter, Financial Advisor I started volunteering at assisted living and memory care retirement homes when I was about ten years old.  I got involved because I lived in a small town and my mother was part of the care staff, but I always enjoyed listening to the stories and wisdom that the residents…

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Do Your Parents Need Long-Term Care Insurance?

February 26, 2018
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We live in an age of medical miracles. People live longer than ever before, and life expectancies are increasing at a steady rate. This means that many of us will be fortunate enough to still have our parents with us as we ourselves reach retirement age. As our parents age, however, their health may decline,…

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Housing Options for Older Individuals

November 20, 2017
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As you grow older, your housing needs may change. Maybe you’ll get tired of doing yardwork. You might want to retire in sunny Florida or live close to your grandchildren in Illinois. Perhaps you’ll need to live in a nursing home or an assisted-living facility. Or, after considering your options, you may even decide to…

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Asset Protection in Estate Planning

October 30, 2017
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You’re beginning to accumulate substantial wealth, but you worry about protecting it from future potential creditors. Whether your concern is for your personal assets or your business, various tools exist to keep your property safe from tax collectors, accident victims, health-care providers, credit card issuers, business creditors, and creditors of others. To insulate your property…

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Using Title Insurance to Protect Your Interest in Your Home

October 16, 2017
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What is a title examination? Title is the right to own, possess, use, control, and dispose of property. When you buy a home, you are actually buying the seller’s title to the home. Before the closing, an attorney or title company (normally hired by your mortgage lender) will usually conduct a title examination by searching…

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Life Insurance at Various Life Stages

October 9, 2017
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Your need for life insurance changes as your life changes. When you’re young, you typically have less need for life insurance, but that changes as you take on more responsibility and your family grows. Then, as your responsibilities once again begin to diminish, your need for life insurance may decrease. Let’s look at how your…

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Health Insurance Made Simple

August 28, 2017
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Let’s face it–in today’s world, health insurance is a necessity. In fact, most U.S. citizens and legal residents must have qualifying health insurance or face a penalty tax. Yet the cost of medical care is soaring higher every year, and it’s becoming increasingly difficult (and in some cases, impossible) to pay medical costs out of…

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Immediate vs. Deferred Annuities

July 24, 2017
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The terms immediate annuity and deferred annuity simply indicate when the distribution phase of the annuity begins. Both allow unlimited contributions, and both can provide, upon election, a continuous stream of payments for life. Immediate annuities Immediate annuities allow you to convert a lump sum of cash into an income stream. They differ from deferred…

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Insurance Needs in Retirement

June 12, 2017
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Your goals and priorities will probably change as you plan to retire. Along with them, your insurance needs may change as well. Retirement is typically a good time to review the different parts of your insurance program and make any changes that might be needed. Stay well with good health insurance After you retire, you’ll…

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Buying Insurance: What Savvy Consumers Should Know

June 5, 2017

You’re ready to buy an insurance policy, but you feel a bit uneasy embarking into the insurance world. After all, the language can be technical, and you’re wary of insurance agents throwing sales pitches at you. Whether you’re buying an auto policy, a homeowners policy, a life insurance policy, or some other type of policy,…

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