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No one knows how long he or she will live. Death is a mystery.
The hardest part of retirement planning is calculating how many years we are going to live after we retire. As human beings, we don’t know when we are going to die. It might be tomorrow or it might be more than 100 years. Still, we want to ensure Continue reading
Any number of unexpected things can happen to anyone—from health problems to injuries to setbacks. And this is precisely why you need long-term care insurance.
Did you know that one in seven people in long-term healthcare facilities are under the age of 65? For instance, Michael J. Fox was only 30 when he noticed a twitch in his finger that was later diagnosed as Parkinson’s. And Christopher Reeve was 43 when he had his tragic accident that left him a quadriplegic. Additionally, Continue reading
No matter what your age or financial situation, you need to have three key legal documents in place to ensure your future peace of mind. First is a Power of Attorney for financial and a Power of Attorney for healthcare. Even if you’re single or newlywed, you want someone you trust to make your decisions should you become incapable of doing so.
If you have minor children, you also need to have a guardianship in place. Suppose you and your spouse go out to dinner one night and Continue reading
If you have one or more minor children, you will need to name a Guardian for them in your Will or Living Trust. Your Guardian will make personal and financial decisions for any of your minor children if you are no longer living or incapacitated and can no longer take care of them. Without a named Guardian, the court Continue reading
We all want to save for our children’s college education. But what’s the best way to do so? One great way is with a 529 plan. This structured fund is usually set up by the parents, benefactor, or custodian of a child who will likely attend college in the distant future. Financial professionals usually suggest Continue reading
As you create your investment plan, look into smarter investments that have less volatility than the stock market. One great option is an Indexed Universal Life Insurance policy (IUL). Unlike traditional life insurance policies that only offer a death benefit, an IUL combines a cash growth account with the traditional life insurance policy. How? Continue reading
Imagine being able to invest in something that gives you guaranteed principal and low risk. With a Fixed Index Annuity (FIA) you get exactly that. That’s why an FIA is a great investment tool to help you reach your retirement goals. Unlike most securities or mutual funds where your account balance can fluctuate due to market performance, premiums deposited into a FIA (also referred to as an Equity Indexed Annuity) are Continue reading
It’s been said that women are from Venus and men are from Mars. It turns out the differences between the sexes are apparent in their financial affairs too. Before we get too far, let’s remember that different doesn’t mean bad. It’s just…well…different. The point is women and men can learn a thing or two from each other when it comes to planning for their future.
Here are the top three differences between women’s and men’s saving habits.
Women tend to… Continue reading
We’ve all heard examples of how compounding your money can make you rich. Double a penny every day, and in two weeks you have $81.92. No big deal, right? But after two more weeks you have more than $5 million. And in one more day, you’re at $10 million.
Of course, that’s a Continue reading
In addition to saving for your future, smart women put money aside in an emergency fund—an account you can access at anytime for any of life’s emergencies, including unemployment, sickness, injury, etc. Ideally, this fund will have enough money to support you for anywhere from six months to one year.
Of course, saving a year’s worth of income can be difficult, especially when times are tight. But think of it this way: Continue reading
