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…
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
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…
Read more
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…
Read more
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…
Read more
When it comes to suffering a disability, we all tend to think that “It can’t happen to me!” In fact, when assessing their own chances of becoming disabled, most people believe their odds of becoming disabled for at least 3 months are 1%.1 News Flash: More than 25% of today’s 20-year-olds will become disabled before…
Read more
Unfortunately, this a question being asked by young adults – well, adults in general… parents and grandparents included. Although it should be, financial literacy is not a course in most schools. When considering the need for financial literacy, I am reminded of this: “What you tolerate today, you will accept tomorrow. What you accept today,…
Read more
Perhaps you will be able to weather through this pandemic financially, but chances are that someone close to you will not. Pass this along. It may just save someone’s financial future. Transunion is monitoring the financial impact on U.S. Consumers weekly. In their latest report using data from the week ending March 30th, 3 out…
Read more
Bruce Schneier wrote an article in March of 2007 titled Why the Human Brain is a Poor Judge of Risk. Looking back, the timing is fine irony. Had more investors read his article, perhaps they would have lowered their overall risk in the markets prior to the Financial Crisis – which began in August of…
Read more
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.