What are living benefits?Quite simply, living benefits are benefits that allow you to access a portion of your policy's death benefit while you are still living, if you are diagnosed with a qualifying illness.In fact, many life insurance policies come with living benefits. The money received can be used any way you choose, from paying [...]
Effective legacy planning enables you to manage your affairs during your lifetime and control the distribution of your wealth after death. An effective estate plan can spell out your healthcare wishes and ensure they’re carried out – even if you are unable to communicate. An effective plan can even designate someone to manage your financial [...]
While most Americans know the basics of Social Security, not many know the best way to claim it to get the most out of what they've earned. We're here to help you understand your Social Security benefits and make the most of them. For instance, waiting to claim Social Security can boost your benefit [...]
A big worry for many retirees is running out of money. Let us show you how an Annuity can provide a steady income for life or add to your savings. An Annuity can be a simple, guaranteed way to get the regular income you need to live in retirement. It's a contract with an [...]
Do you know what your retirement income will be? We can help. Let us provide a review to determine what is needed to fill in the gap, or to help plan your legacy regarding your beneficiaries. Once you figure out how much money you'll need for retirement, it's smart to look at where your [...]
Understanding tax strategies should be part of any reliable financial approach. Some taxes can be deferred, and others can be managed through tax-efficient investing. With careful and consistent preparation, you may be able to manage the impact of taxes on your financial efforts. One of the greatest concerns of Americans today is potential for [...]
Sustainable investing and environmental, social, and governance (ESG) investing enables one to participate as stewards of the planet and its inhabitants by leveraging environmental, social, and governance factors when they invest. The primary goal of the ESG investment is profit, but the impact must benefit beneficiaries for it to be tagged as an ESG investment. [...]
As we welcome the spring season and start decluttering our homes, it’s also an excellent opportunity for cleaning your finances.Spring cleaning your finances involves reviewing, reorganizing, and eliminating unnecessary financial clutter to make your money management more efficient.Despite its significance, financial cleaning is an area that tends to be overlooked during the spring cleaning spree.To [...]
Filing your 2024 taxes can be simple when you’re prepared. When you understand recent changes in tax laws to determine which tax credits and deductions you’re eligible to take. The end of the 2024 tax season for most Americans is April 15, 2024, so if you still need to file 2023 taxes, take notice [...]
Understanding the psychology of spending is crucial in today’s consumer-driven society. On the surface, our consumption habits are about fulfilling needs or wants. However, delving deeper, we find that psychological factors significantly influence our spending habits. In personal finances, ‘mindful money habits’ indicate a financially conscious and thoughtful approach to spending and saving. To [...]
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