How To Put Your Kids (Or Grandkids) On The Fast Track To Success

by Chris Widener
Working with adults (as well as children and teens) for the past 12 years, I have noticed that there are just a few primary struggles that most adults face. I also see how better training as a child and teen could have given them the skills and attitudes that would have prevented …

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Health Savings Account (HSA)

In attempting to provide health care benefits, small employers and self-employed individuals face several problems:
1. Cost
Due to the high cost of traditional health insurance coverage, it is difficult (if not impossible) for many small employers and self-employed individuals to provide themselves and their employees with adequate health insurance protection. Without this protection, …

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Reverse Mortgage Considerations

A reverse mortgage is a loan against the value of your home that does not have to be paid back for as long as you live in the home. Simply put, a reverse mortgage converts some of the equity in your home into income.
In Evaluating a Reverse Mortgage, Consider…

Typically, a reverse mortgage …

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Why People Buy Life Insurance

For the Death Benefit:

To replace earning power at death
To pay for cash needs that arise at death

As a Disciplined Savings Program*:

To help pay for educational costs
To supplement retirement income
To take advantage of business opportunities
For financial emergencies

Because of the Risk of Waiting:

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An Estate Planning Quiz

All Of These Statements Are True
If you answered seven or more correctly, you have a good foundation of knowledge upon which to build your estate plan. Regardless of how many you answered correctly, the time to begin planning your estate is today, before it is too late to make important decisions about …

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Reverse Discrimination Of Qualified Retirement Plans

Did You Know That…
Qualified Retirement Plans Tend to Discriminate AGAINST the Highly Compensated?
The restrictions placed on qualified retirement plans strictly limit the size of the benefits that can be accrued for highly-compensated employees. When compared to the benefits provided to lower-paid employees, these limitations can produce a “reverse discrimination” effect that …

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Types of Long-Term Care Services

The U.S. Department of Health and Human Services estimates that the older population in the United States (age 65+) will more than double by the year 2030, to over 71 million Americans. When coupled with increasing life expectancy, this “aging of America” has led to a rapidly growing variety of options available to senior …

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How Much Life Insurance Do I Need?

How much life insurance is enough depends on your individual needs and your financial objectives for your family
While life insurance cannot replace you, it can provide the funds to:


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