52% of people turning 65 will need some type of long-term care services during the remainder of their lifetimes and just 11% percent of the population has any form of Long-Term Care Coverage.  As people continue to live longer, many will likely need assistance caring for themselves. The decision of whether to buy long-term care insurance vs. self-insuring is an important one. If… READ MORE

As you approach retirement, a question you might be asking yourself is “Should I put my retirement assets in an annuity”. There are three main types of annuities: variable, fixed-indexed and fixed. In this article we are going to explain what makes variable annuities unique and their pros and cons. A variable annuity is typically… READ MORE

As the year 2020 comes towards an end we are fielding more questions surrounding asset protection for sworn officers if qualified immunity is lost. There are many layers to asset protection. The best strategy is to address all potential concerns, that way if your qualified immunity is compromised you and your family are protected. Once… READ MORE

Have you ever walked into a meeting and felt like you were being sold something? Unfortunately, this has happened to almost everybody. In the financial services industry, there are a lot of salespeople that call themselves financial planners. So, how do you know if you are meeting with a salesperson or a financial planner? This… READ MORE

The other day I was speaking with a friend of mine and he brought up some new words or phrases that are now a part of his regular vocabulary. Some of these words were “Zoom, N95 Mask, Social-Distancing, and Senior Grocery Hours”. One phrase that he mentioned to me though really struck a chord: “Last… READ MORE