Health Savings Accounts (HSAs)

Health savings accounts are triple tax-advantaged. These accounts have become increasingly popular, as they allow employees access to a tax-deferred means of saving money to pay for medical costs now and in retirement.

Continue reading

Long-Term Care Insurance

Once you turn 50, it’s a good idea to start thinking about long-term care. Long-term care is asset protection, and it’s appropriate both before and after you are retired. It is beneficial to purchase this type of insurance by age 55, to lock in a lower rate before you begin to experience a decline in […]

Continue reading

Long-Term Disability Insurance

If you can buy it, an “own occupation” long-term disability policy is best. Own occupation coverage provides protection in the event of a disability that precluded you from earning the salary that you are accustomed to earning. Any benefit payments received will be tax-free, as long as you paid the policy premiums yourself and did […]

Continue reading

Protecting Your Survivors

In the event of your unexpected death or disability, your survivors will have greater security if you’ve thought through and acted on the following: Identify your insurance needs. Do you want to leave a legacy? Or is providing for the comfort of your survivors your main goal? Life insurance provides a lump-sum payment upon death. […]

Continue reading