Category: Insurance

Umbrella

Personal Liability Insurance

Do you have it? Do you have enough? Does it cover what you think it does? What would happen if…. You were at cause/fault in a car accident in which someone was badly injured or worse? Someone else was driving your car and the same thing happened? Someone got hurt stepping down the stairs of…
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June 14, 2023 0
8 Life Planning Issues

Preventative Financial Care

The August 2008 Money Magazine offered up an article of several successful individuals talking about the smartest financial advice they have ever received. Billionaire and CEO of Virgin records, Richard Branson shared a story about his lack of knowledge in the financial realm and being humble about what you don’t know. Have you ever noticed…
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April 19, 2023 0
Long-Term Care

Long-Term Care Insurance

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…
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April 13, 2023 0
Family Care

National Family Caregiver Month

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…
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December 6, 2022 0
Myths

5 Myths About Life Insurance

$1 million is enough…This might sound like it is, but most of the time it really isn’t enough. Life insurance needs are calculated in various ways, but experience has taught us that most individuals want their spouse to be taken care of for the rest of his/her life if death were to occur. Moreover, they…
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October 6, 2022 0
Mattress

Is Your Life Insurance Like a Bad Mattress?

Can you remember the last time you bought a new mattress? The difference between shopping for most things and shopping for a mattress is that we’re not sure how to price one – for most of us it has been ages since we bought our last one and we have no reference point. Most folks…
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September 13, 2022 0
I Love You

Do You Have an I Love You Plan?

Anne Heche is yet another celebrity to die without a Will. When I read this fact, my heart sunk. Of course, I don’t know Anne Heche personally, but I do know what dying without a Will could possibly mean for her family—stress, chaos, conflict and quarrels, and interruptions to daily life for her family in…
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September 7, 2022 0
Ding

5 Hidden Dollar Dings in Post-Pandemic America

We may not exactly be post-COVID yet, but our world is certainly settling into a new rhythm that looks a lot more normal than the past couple of years. With that being said, many Americans have made huge changes in this short time. Many companies went virtual in 2020, giving their employees the opportunity to…
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July 5, 2022 0
Grief

The Griever’s To-Do List

Tom and Maria were married a little more than forty years when Tom suffered a severe stroke. The stroke changed him. It not only caused permanent physical impairment, but he became angry and unmanageable. As she struggled to manage him or tend to all of his needs, Maria was forced to get help. Life had…
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April 18, 2022 0
Funeral

Death – It Happens

You are invincible, right? We all like to think we are… at least until we aren’t. Did you know twenty percent of men die before retirement age? Twenty percent! That’s two in ten men!1. The odds in Vegas can be worse than that and thousands of people still show up to gamble every day. So…
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February 28, 2022 0

Securities offered through Calton & Associates, Inc. member FINRA and SIPC, a Registered Investment Adviser. Investment advisory services offered through Smart Money Group, LLC, a Registered Investment Adviser. Smart Money Group, LLC and Kennedy Financial Services, Inc. are not owned or controlled by Calton & Associates, Inc.