Medical Professionals: A Prescription for Your Financial Health

| January 4, 2013 | 0 Comments

The demands on medical practitioners today can seem overwhelming. It’s no secret that health-care delivery is changing, and those changes are reflected in the financial issues that health-care professionals face every day. You must continually educate yourself about new research in your chosen specialty, stay current on the latest technology that is transforming health care, […]

Life Insurance Basics

| January 4, 2013 | 0 Comments

Life insurance is an agreement between you (the insured) and an insurer. Under the terms of a life insurance policy, the insurer promises to pay a certain sum to a person you choose (your beneficiary) upon your death, in exchange for your premium payments. Proper life insurance coverage should provide you with peace of mind, since you know that those you care about […]

Life Insurance and Estate Tax

| January 4, 2013 | 0 Comments

Once used primarily to cover funeral expenses, life insurance today is considered a critical part of estate planning. Life insurance has multiple uses: It can help pay for your children’s education or pay off a mortgage. Using life insurance, you can leave a gift to your favorite charity at your death. It can also serve […]

Health-Care Reform

| January 4, 2013 | 0 Comments

The primary goals of the Patient Protection and Affordable Care Act, as amended by the Health Care and Education Affordability Reconciliation Act (collectively, the 2010 health-care reform legislation) are to ensure that all Americans and legal residents have access to a minimum level of affordable health care, and to help contain the burgeoning costs of our health-care delivery system. The health-care reform legislation invokes […]

Funding Your Future with a Fixed Annuity

| January 4, 2013 | 0 Comments

A fixed annuity is a contract between you and an annuity issuer, usually an insurance company. In its simplest form, you pay money to the annuity issuer; the issuer invests the funds and pays the principal and its earnings back to you or to your named beneficiary. What’s fixed about a fixed annuity? The issuer guarantees (subject to its claims-paying ability) a […]

Financial Planning- Helping You See the Big Picture

| January 4, 2013 | 0 Comments

Do you picture yourself owning a new home, starting a business, or retiring comfortably? These are a few of the financial goals that may be important to you, and each comes with a price tag attached. That’s where financial planning comes in. Financial planning is a process that can help you reach your goals by evaluating your whole financial picture, […]

Equity-Indexed Annuities

| January 4, 2013 | 0 Comments

An equity-indexed annuity (EIA), also known as a fixed-index annuity, is a contract between you and an insurance company. You pay premiums in a lump sum or periodically, and the issuer promises* to pay you some amount in the future. The EIA issuer also provides a minimum guaranteed* interest rate on your premiums paid. With an EIA, the interest earnings are […]

Basic Estate Planning

| January 4, 2013 | 0 Comments

Estate Planning- An Introduction By definition, estate planning is a process designed to help you manage and preserve your assets while you are alive, and to conserve and control their distribution after your death according to your goals and objectives. But what estate planning means to you specifically depends on who you are. Your age, health, wealth, lifestyle, life stage, goals, and many […]

Questionnaire: Answer the Financial Questions that Count

| January 4, 2013 | 0 Comments

The topics listed in this form are intended to cover a variety of situations–more than any one household will ever  likely need to consider. All of the information available  is offered to help you understand your current financial  situation and make informed decisions. Simply fill  out the form (online or on paper) and email it […]

Annuities as an IRA Investment Option

| January 4, 2013 | 0 Comments

A deferred annuity is one of several investment options you can choose from to fund your IRA. You might think that a deferred annuity isn’t suitable as an investment option for an IRA, since both deferred annuities and IRAs generally provide for the deferral of income taxes on earnings until they’re withdrawn. However, there are several reasons, aside from tax deferral, that […]