Our Blog

Companies Look to Innovative Options to Hedge Insurance Risk

Companies are constantly trying to find new ways to reduce their expenses and generate revenue each year; some in quite innovative ways. The insurance industry is no different. On the health insurance side, one example is companies’ entrance into the wellness arena. By teaching members to make healthier choices and engage in healthier behaviors, and…
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More Tax Considerations for 2019

According to IRS estimates, taxpayers collectively pay about 82 percent of taxes they legitimately owe. This amounts to about $458 billion annually in lost taxes, based on data from 2008 to 2010.1 Of course, we do not recommend strategies to avoid legitimate tax liabilities. However, it is important to stay current with the constantly evolving…
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Efforts Growing to Address Mental Health Issues

Although mental illness has long been stigmatized, fortunately, things are beginning to change. Starting this year, dozens of health systems are adopting widespread solutions to address mental health conditions, including untreated depression, teen suicide and post-traumatic stress disorder (PTSD).1 Here are some startling statistics:2 As of 2016, 44.7 million American adults had experienced a mental…
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Retirement Planning Challenges

In 1985, only 10 percent of people aged 65 and older were either in the workforce or job hunting. Today, that share has doubled, for a couple of reasons. First, fewer 65-year-olds have enough money to retire. Second, the number of people in this demographic with a college degree has more than doubled (53 percent…
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Tech Trends

There are different formulas for launching highly successful companies. First, create a product that solves a problem that no one knew they had — for instance, how online search engines replaced encyclopedias. Then, there are ideas that help solve problems that plague millions of people. Back pain, for example. Not only do approximately eight in…
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All About Homeowners Insurance

According to Zurich North America’s chief claims officer, natural hazards are more common and more damaging than in the past. The time to act and reduce future risk is now, particularly when it comes to nationwide infrastructure. For example, U.S. roads and bridges were simply not built for the severity and frequency of storms and…
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Know More About Social Security

The Federal Trade Commission (FTC) reports that Social Security beneficiaries have lost $6.7 million in two months resulting from a new, highly effective scam. This is how it works: Someone calls you and says they are with the Social Security Administration (SSA), stating they regret to inform you that your Social Security payments have been…
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What Do You Know About Annuities?

Once we’ve established an income plan, after we assess your current needs and build a plan that’s going to address income planning in your retirement, we begin to create an investment strategy for the remaining assets. We set aside “X” amount of dollars for the income. Annuities are great tools to use for putting money…
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The Process

Next, we do a portfolio analysis to find out what your current fees are. Typically, we find that we can save someone several thousands of dollars once we take over as their advisor. Achieving low volatility managing assets in a very volatile market is difficult for the average advisor or the average retiree. When the…
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Three Legged Stool

Retirement income is made up of what we refer to as a three-legged stool. You have Social Security, you have a pension, and you have your personal savings. When you look at Social Security, we seek to optimize this benefit. What we mean by optimization is simply this, we want to get as much out…
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What Is Your Journey?

The History Channel has a TV series called, Vikings, an amazing drama, which shows both the harshness and beauty, the drama and intrigue, of life during the Viking Age. Most of the series focuses upon the character of Ragnar Lodbrok, an adventurer and actual historical person. Of course, the TV series does take liberties with…
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Joe Casey’s ‘Fast Track’ Process

The Kentucky Derby is the longest continually held sporting event in America, with the first race taking place in 1875. Over the previous 142 races, rain has fallen on race day 66 times. The conditions of the track are crucial to a race. And in 2017, poor weather conditions caused mayhem for the Kentucky Derby at…
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Like Walmart & Amazon…

In 1950, Sam and Helen Walton moved to Bentonville, Arkansas where Sam opened “Walton’s 5&10” on the downtown square. Inspired by the early success of his dime store, and driven to bring even greater opportunity and value to his customers, Sam opened the first Walmart in 1962 at the age of 44 in Rogers, Arkansas.…
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What Makes A Good Navigator? By definition, a navigator is a person who practices or is skilled in, navigation, as in ships or aircraft.[1] Ferdinand Magellan was a Portuguese explorer and navigator who organized the Spanish expedition to the East Indies from 1519 to 1522, resulting in the first circumnavigation of the Earth. Born into a…
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Have You Made Choices Based Upon What Is Right For You?

If you have a financial advisor, or are in the process of selecting one, ask these questions to be sure you’re getting all the information you need to determine if that advisor is a good fit for you. Remember, not everyone has your best interests at heart. It’s up to you to make informed decisions…
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Finding The Right Advisor

We can’t predict the future, but it seems reasonable to prepare for increases in inflation over the course of retirement. It doesn’t take long for even small changes in inflation to add up. This should be factored into your retirement income strategy, and we can help you identify strategies to address the potential impacts of…
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Turn Your Savins Into Income

Creating a consistent savings mechanism will ensure you are saving a minimum amount each month or paycheck, making progress toward your longer-term goals. Whether you are saving into an investment account or your bank savings account, set up an automatic contribution from each of your paychecks so that the money is “out of sight, out of…
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Turn Your Savings Into Income

Creating a consistent savings mechanism will ensure you are saving a minimum amount each month or paycheck, making progress toward your longer-term goals. Whether you are saving into an investment account or your bank savings account, set up an automatic contribution from each of your paychecks so that the money is “out of sight, out of…
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Consider Your Health

Are you under the impression you will be healthy forever? Think again. If we knew how long you would live, planning for retirement income would be much easier. Life expectancies will vary, but in general, people are living longer than ever before. That means your retirement could last much longer than your parents’ or grandparents’ retirements.…
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Getting Retirement Right

Historically, the United States had three basic strategies for retirement: a well-funded Social Security system, substantial corporate pensions with retiree health benefits and, ideally, a strong personal savings rate. Now, the responsibility for providing a retirement income falls largely upon individuals. Because defined contribution plans are more common today, individuals have a greater responsibility for…
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