Category Archives: Invest

The Social Security Dilemma: Take it Now, Or Wait? – Part 2

Should we take our Social Security benefits at “Full Retirement Age” (FRA), or wait?  The Social Security Administration (SSA) will add 8% every year from your FRA to age 70. We present an option, for those who qualify, to enhance … Continue reading

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The Social Security Dilemma: Take it Now, Or Wait?

Should we take our Social Security benefits at “Full Retirement Age” (FRA), or wait?  The Social Security Administration (SSA) will add 8% every year from your FRA to age 70. We present an option, for those who qualify, to enhance … Continue reading

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What Will You Do If Your Pension Fund Isn’t There For You?

Drained pension fund has retired New York union workers pinching pennies to survive, as doom looms for reserves across U.S.* -New York Daily News, Sunday, February 26, 2017 (link to article below)      A “private pension plan”, instead of, … Continue reading

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I Came In For A Long-Term Care Insurance Policy But You Said…

How do we address LTC insurance when the over-arching concern is retirement funding? Recently we had the pleasure of meeting with a couple, aged 65 and 53, regarding a Long-Term Care insurance policy (LTC).  Like many others in their age … Continue reading

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Life Insurance with Long-Term Care for an 18 year-old?

Yes, a college freshman has just applied for a life insurance policy with a Long-Term Care rider, a second rider to ensure continued premium payments in the case of total disability (thereby ensuring cash growth) and another rider to provide … Continue reading

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What’s Wrong With Universal Life Insurance?

What’s Wrong With Universal Life Insurance? Universal Life (UL), Variable UL (VUL), Indexed UL (IUL), Equity Indexed UL (EIUL) First, key points: UL, VUL, IUL, EIUL are all risk-inherent and not suitable as a retirement supplement or LTC vehicle if … Continue reading

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Regarding your finances…If you had it to do over, what would you do differently?

What would you tell your children, your grandchildren to do? What do you wish someone had convinced you to do? by L N Himel It’s been my experience that, generally, the young a) feel immortal b) need to experience for … Continue reading

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Your Home Mortgage Is A Form Of Disability Income Insurance! Why Pre-Pay?

On pre-paying your mortgage, bit-by-bit. You might agree it’s not a good idea! A banker is a fellow who lends you his umbrella when the sun is shining and wants it back the minute it begins to rain.      … Continue reading

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It’s Time To Think Outside The Box – Part 2

Have you wondered why your 401(k) or investment account has not done what you had hoped, and why so many seem to be experiencing the same anxiety as you?  Much of this has to do with “volatility” within the markets, … Continue reading

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It’s Time To Think Outside The Box – Part 1

As an alternative to the stock markets, we suggest a specific type and structuring of Whole Life insurance.  Now, before you close down on that title, “life insurance”, please allow us to explain: “Cash value life insurance” has been used … Continue reading

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