Open Enrollment Decisions
October 20, 2023  | By David Lowe

Early fall is open enrollment season for employer-provided benefits, as well as for Medicare. Open enrollment is a crucial time to review – and possibly update – your selections for health insurance, life insurance, disability insurance and more. Which open…Read More

Your Health Care & Open Enrollment
October 11, 2021  | By Manisha Gupta

Early fall is open enrollment season for many health insurance plans. The health care plan you choose will have a meaningful financial impact for the next year. Choose wisely! Which open enrollment applies to you? W-2 employees: Typically runs from late…Read More

Six Life Insurance Mistakes to Avoid
August 31, 2015  | By Kevin Smith

Life insurance has long been recognized as a useful way to provide for your heirs and loved ones when you die. Naming your policy’s beneficiaries should be a relatively simple task. However, there are a number of situations that can…Read More

What do insurance companies invest in?
September 24, 2014  | By Kevin Smith

It is important to keep in mind what insurance companies are actually investing in when considering the features of annuities and cash value life insurance contracts. According to a paper published by the Federal Reserve Bank of Chicago in April…Read More

Longevity Income Annuities
July 21, 2014  | By Kevin Smith

With luck, many of us can expect to live to a very ripe old age. Are you prepared, however, for the financial implications of that possibility? Today, individuals contemplating retirement frequently face the fact that the financial costs associated with…Read More

Personal Finance Tips for New Graduates
June 13, 2014  | By Kevin Smith

You’ve marched along to Pomp and Circumstance and collected your diploma–now you’re ready to finally head out on your own. Maybe you have student loans that you need to start paying back. Perhaps you’re looking forward to making your first car purchase…Read More

Critical Questions for Baby Boomers
January 8, 2014  | By Kevin Smith

If you have not addressed all of the following topics, please understand that many people have not. We hear far too many regrettable stories that could have been prevented with some basic planning. The purpose of this post is to…Read More

Is Your Life Insurance Any Good? Probably Not!
May 20, 2013  | By Kevin Smith

Most life insurance policies don’t do what they were intended to do, and most policy holders are unaware of this problem. Amazingly, almost 65 percent of in-force life insurance policies are inappropriate for the policy holder, priced incorrectly, or are…Read More

I Hate(d) Insurance
September 12, 2012  | By Kevin Smith

“I hate insurance.” I’ve heard many clients utter these words and I can certainly empathize with them. We often hear clients describe that paying insurance premiums feels a lot like paying rent or flushing money down the commode. Most don’t…Read More