Educational

Cash Flow Management
November 15, 2019

You’ve probably heard the saying that “cash is king,” and that truth applies whether you own a business or not. Most discussions of business and personal “financial planning” involve tomorrow’s goals, but those goals may not be realized without attention to cash flow, today. Management of available cash flow is a key in any kind …

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What if You Get Audited?
November 6, 2019

“Audit” is a word that can strike fear into the hearts of taxpayers. However, the chances of an Internal Revenue Service audit aren’t that high. In 2017, the most recent statistics available, show the IRS audited 0.5% of all individual tax returns.[1] Being audited does not necessarily imply that the IRS suspects wrongdoing. The IRS …

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Insurance Needs for Empty Nesters and Retirees
October 30, 2019

With the children now out of the house, financial priorities become more focused on preparing for retirement. At this stage, you may very likely be at the height of your earning power and fast approaching peak savings as you lay the groundwork for retirement. During this final leg to retirement – and throughout your retirement …

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Making Sense of a Home Warranty
October 23, 2019

As a consumer, when you purchase an expensive item, like a car or refrigerator, you expect to receive a warranty that the manufacturer will repair or replace that product if it breaks down. A warranty makes sense for big-ticket purchases, but what about for a home? An Overview of Home Warranties A home warranty typically …

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Universal Life Insurance
October 17, 2019

Universal life insurance is permanent life insurance – that is, it remains in force for your whole life as long as the premiums are paid. But universal life insurance has an important difference from other types of permanent insurance: it provides a flexible premium. That means the policyholder decides how much to put in above …

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Raising Healthy Children
October 3, 2019

One of the greatest legacies any parent can give a child is a framework for living an enduring, healthy lifestyle. It is hard to underestimate the power that parents have on their children’s development, which is why parenting is such a profound responsibility. The attitudes and habits formed in childhood can determine your child’s health …

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Understanding the Alternate Valuation Date
September 23, 2019

When an individual dies, the executor is faced with an important decision that has the potential to impact the taxes owed by the estate and its heirs. The executor will have the option of valuing the estate on the date of death, or on the six-month anniversary of death – the “Alternate Valuation Date.”[1] This …

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Insurance Needs when Married with Children
August 23, 2019

A growing family, by definition, means growing financial obligations – both in the present and in the future. Raising children can increase your insurance needs and heightens the urgency for being properly prepared. Auto. When a child becomes a new driver, one option is to add the teenager to the parents’ policy. You may want …

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A Bucket Plan to Go with  Your Bucket List
August 13, 2019

The baby boomers redefined everything they touched, from music to marriage to parenting and even what “old” means – 60 is the new 50! Longer, healthier living, however, can put greater stress on the sustainability of retirement assets. There is no easy answer to this challenge, but let’s begin by discussing one idea – a …

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Understanding Long-Term Care
August 7, 2019

Addressing the potential threat of long-term care expenses may be one of the biggest financial challenges for individuals who are developing a retirement strategy. The U.S. Department of Health and Human Services estimates that 69% of people over age 65 can expect to need extended care services at some point in their lives. So, understanding …

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