48% – The chance that you will need some type of paid long-term care services in your lifetime. 1 70% – The chance that you will need some type of severe long-term healthcare need if you are 65 today. 1 7 years – This is the average length of long-term care for a woman TODAY.… Read more
Wait…That doesn’t sound right! Retirement years are supposed to be “the easy years,” right? There is a saying (paraphrased) that states that what messes up most in life is the picture in our head of how things are supposed to be. Retirement is a prime example of this. We assume that if we work hard,… Read more
If I never use it, I don’t get anything back. Yes, that is absolutely true of basic long-term care insurance. I say basic because hybrid plans exist that co-mingles LTC insurance with life insurance or annuities—but that’s a different subject for a different day. Today I would like to share a story with you: Several… Read more
Actually, that was in the month of November. We couldn’t quite squeeze it into the Life Planning 101 podcast schedule, but that doesn’t mean it is any less important. We have a pandemic in this nation and for once, I am not talking about COVID. This Pandemic is the escalating need for long-term healthcare and… Read more
Can you believe it? 7 out of 10 people turning 65 will need long term healthcare services in their lifetime. 1. Which means we may not like it, but there will be a day the majority of us will need it. What’s the big deal? Well, it is a big deal – and it isn’t… Read more
Fall/Winter is an ideal time to examine your financial health and update your financial plans. Here is a list of important things to review that might make a difference in your year-end review and plans for next year. Check all that apply. If you have any questions or concerns, we will be happy to go… Read more
Did you realize that reactive and creative are an anagram? We’ve realized that far too many people fail to ask the “right” questions regarding their unique situations. The result: reactive. We encourage you to spend a little time being creative so you don’t have to be reactive. You can begin by asking these 10 questions:… Read more
Wow! Where has 2019 gone? There are only two months left—the busiest two months of the year with the holidays in full swing. The funny thing is that most people try to cram everything they intended to do all year into this hectic, compact time-frame. I guess the old adage is true—done beats perfect every… Read more
Wisdom isn’t something you are born with. Yet wisdom, once gained, can be the most valuable thing you achieve and maintain – second only to your relationships with God and those you love most in life. Wisdom is achieved through years of watching, listening, observing and experiencing. Much of the value we provide doesn’t come… Read more
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