$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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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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“May you live in interesting times” is a phrase we often hear that is claimed to be an interpretation of a traditional Chinese curse. I can say this honestly gave me a giggle in light of the times in which we live. However, it is not just a Pandemic that makes these times interesting. There…
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There are a number of reasons: It won’t happen to me—I’m not going to die anytime soon. I have more important financial priorities. I don’t want to think about dying! I’m healthy. I can get it later. Did you notice the one word common to all of these reasons? You don’t buy life insurance for…
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Life insurance may be the most complex financial product in existence – but why should this matter to you? Less than a year ago, we received a call that a good friend had just suffered a massive heart attack and was in open-heart surgery. By God’s grace this man is fully recovered and thriving. However,…
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There is a good chance you can think back to a time in your life when you felt like you were “sold something.” Perhaps you were a little confused – and still are – as to why you bought it. Perhaps you had buyer’s remorse. Or, just plain and simple, you bought something purely out…
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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.