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Category Archives: Insurance

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Say Goodbye to your Doctor – MUST READ

Chances are your doctor is no longer “in-network” if you have an Individual or Family “Exchange” Health Insurance Plan. Remember President Obama promising “You can keep your doctor“, well he’s not the first politician to blatantly lie to the public to get his bill passed

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Protect Yourself Against Uninsured Drivers!

An old college friend of mine (that happens to be an attorney) recently brought this to my attention: The Importance of Uninsured and Underinsured Motorist Coverage Trust me on this. You need at least $250,000 in Uninsured and Underinsured Motorist Coverage.  Ideally, you have $1,000,000

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Create Your Own Private Retirement Pension

I imagine that most people reading this will end up never spending the principal of their retirement nest egg for fear of running out of money.  At some age, well into those retirement years, you will realize you are too darn old (you have everything

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Our Story

My wife Soni and I celebrated 20 years of marriage recently and I thought I would share what some of the key financial decisions we made along the way and the impact they had on our family. The themes are consistent: Figure out what is

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Declined

One phone call with a woman on the other end saying I was “declined” for coverage really had my head spinning.  A little over a month ago I applied for more life insurance, (the kind with the rider that allows you to get an advance

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Is a Private Pension in Your Future?

With CD’s paying next to nothing, we need some creative ideas to generate more income during retirement… Most of us have a notion on what a “pension” is, as you or someone you know may be fortunate enough to have one.  A pension is a

lifeinsurance

Life Insurance Key to Retirement Spending and Legacy Plan

Over the past several years, most of the clients that I have advised to purchase life insurance are retired and have no dependent need. The insurance has greatly helped their retirement spending and legacy plan. The only thing that would have been better is if

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Why HSA’s go Hand in Hand with Obamacare and Retirement

I’ve written about Health Savings Accounts (HSA) in the past (Are You Missing Out? – 23,000 Reasons I Love My Health Savings Account (HSA)) as being one of my favorite and most important accounts in my financial plan. With the high deductible, “Bronze” option being

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Umbrella Insurance: Protecting you on Rainy Days

Let’s face it; we live in a litigious society. Whether you are a small business owner, a professional or managing your own family you need to take measures to protect yourself and your assets from potential lawsuits. Although this is surely not a comprehensive list,

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How to Avoid Three Common Insurance Mistakes

Insurance is one of those areas where even financially bright people often make poor decisions. I think the media is partially at fault and the resources people use for guidance might not be very helpful. Keep in mind that what is prudent for many (the median