Debt affords us the opportunity to benefit from things that we may not be able to purchase in the short term, such as a home.

Motor vehicle insurance has various elements including property damage coverage, liability coverage including coverage for the death or injury of a third party, collision coverage and comprehensive coverage.

Using a broker doesn't cost you more. Often it can cost you less because brokers have knowledge of the insurance market and the ability to negotiate competitive premiums on your behalf.

Credit, like a knife, is neither good nor bad – it depends on the use to which it is put.

The objective of investing is to receive a future flow of funds larger than the funds originally invested.

The purpose of investing is to improve our future circumstances or future lifestyle.

Your broker works for you – not for the insurance company.

Maintaining your quality of life after the diagnosis of a critical illness and dealing with financial commitments can cause hardship for you and your families. Critical illness insurance can protect your family's future.

You will need 4 to 10 times the amount you paid for your house to enjoy a comfortable retirement.

Without proper retirement planning, you can be faced with a significant cut in your income at retirement, requiring dramatic changes to the lifestyle to which you have become accustomed.

The most valuable asset that the vast majority of the adult population has is the ability to work to earn the income required to provide for a reasonable lifestyle and to build net worth.

Choosing the right insurance company for you is one of the most critical steps in managing your insurable risks. It means asking all of the right questions and thoroughly investigating your options.

A home is one of the largest purchases most people make during their lifetime. Therefore, homeowners' insurance protection is critical and strongly recommended.

A popular myth is that estate planning is only for the rich among us. However, any one who has property and wishes for a future generation will need estate planning.

Building net worth over a lifetime requires prudent planning and the implementation of sound strategies. Insurance is an important element of any sound financial plan.

Your Marriage

“Marriage is that relation between man and woman in which the independence is equal, the dependence mutual, and the obligation reciprocal."

Louis K. Anspacher

Fantastic!! You have found him or her, fell in love and set the date.

If you're planning to say "I do", save yourself some fights later, and perhaps even your marriage, by talking about money now.

More important than the church, the guests and the date is preparing for your financial future together. Make it a point to sit down with your partner and discuss your goals and expectations and come up with a solid plan for an effective combination of your financial lives and futures. It may not be romantic, but considering that disagreements over money is one of the major causes of marital problems, a money meeting may one of the most important dates you have before you marry.

And if you have already said “I do”, you may still need to have this talk about money.

So make a financial date with your spouse - and perhaps your financial advisor - to set priorities and plans. Many couples still make the mistake of not talking about money. Set aside the time to plan for your hopes and dreams.

Your Marriage

More than you want and less than you need