The Financial Tool That Solves Many of Life’s Problems!


There’s more to retirement planning than simply saving money and hoping everything gets covered.  Much more is possible if you know how to use the tools.  

Few people outside the financial industry understand the power of life insurance as a planning tool.  It’s understandable:  When most people think of life insurance, the (often) typical reaction is often something like, “I don’t believe in insurance.  Those big insurance companies are just placing bets and making a lot of money.” Continue reading

Retirement Planning and Denial


Are boomers in denial when it comes to retirement planning?   While we’ve covered the state of financial illiteracy previously, denial is also all to rampant.

Take a look at the following.  I want to state up-front that I didn’t write the two paragraphs and I’m embarrassed to say I don’t know or remember where I found it – so my apologies to whoever it might be that I’m plagerizing; but, I thought you might find it interesting. Continue reading

Retirement Planning and Medicaid Maneuvers


Show me a retirement problem and I’ll show you someone with a planning solution packaged to solve it.

Unfortunately, too many people jump at great sounding packaged solutions without doing their homework.

In recent years, Medicaid Planning has taken center stage, particularly in the insurance community. And, it’s no surprise.  Many people are concerned about having enough money to live on and the idea of spending down all of their assets to pay for long-term care.  Many will establish certain types of entities like trusts, give cash gifts to children, spend money on exempt assets or engage in other legal financial maneuvers. Continue reading