Estate planning can have a lasting impact on your family – though not as much as not doing it.
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.
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.
Your broker works for you – not for the insurance company.
Diversification is the process of helping reduce risk by investing in several different types of individual funds or securities and works hand in hand with asset allocation.
A home is one of the largest purchases most people make during their lifetime. Therefore, homeowners' insurance protection is critical and strongly recommended.
There are three ways to manage money: Market timing, security selection, and asset allocation. The first two, in our view, involve too much luck and risk.
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.
Most of us will live a long time in retirement – possibly as many as 20 years, without generating income through employment.
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.
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.
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.
Death is inevitable – and sooner or hopefully later, we are going to die. Before we do, we should take some actions to put our affairs in order.
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.
“There is a whole new kind of life ahead, full of experiences just waiting to happen. Some call it ‘retirement’. I call it bliss.”
Betty Sullivan
Retirement is not what it used to be!!
In times past, retirement was that relatively short period between the time you stopped working to make ends meet to the time you went to meet your maker. With increased longevity and increased health in our later years, retirement in the 21st Century will be very different from what our parents and grandparents knew.
Many of us will retire to something new. Many of us will want or need to work in retirement, at a different career, as volunteers or even in our own business. While we may be doing what we want, we may not necessarily be intent on slowing down.
There is the expectation that you will need four to ten times the amount you paid for your house.
Why? Most of us will live a long time in retirement – possibly as many as 20 years, without generating income through employment. Therefore you must save and invest sufficient funds in your working years (around 40 years) to live for 60 years or more – or work longer!!
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.
Properly planned and prepared for, retirement can be the best time of your life and your best opportunity to make your mark on your time.
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More than you want and less than you need
Often, in the seminars and workshops we do, we are asked about the purchase of whole life insurance vs buying term life.
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