Education

  • Reposition assets for tax-efficient wealth transfer

    Peter Longo November 12, 2019

    If you’re close to or in retirement and asking yourself how you can best pass your wealth on to your heirs, repositioning some of your investments may be a tax-efficient way to leave a larger financial legacy.

  • Which programs should you consider to cover healthcare costs?

    Jack Cintorino November 12, 2019

    It is said that it’s harder to get through retirement than it is to get to retirement.

  • Maximizing your pension with life insurance

    November 12, 2019

    If you participate in a traditional pension plan (known as a defined benefit plan) with your employer, you may receive monthly benefits from the plan after you retire.

  • The fundamentals of disability insurance

    November 12, 2019

    Disability insurance pays benefits when you are unable to earn a living because you are sick or injured. Most disability policies pay you a benefit that replaces a percentage of your earned income when you can’t work.

  • Hybrid long-term care insurance: Is it right for you?

    November 12, 2019

    For many, long-term care (LTC) insurance can help protect personal assets from a catastrophic illness. However, some may find LTC premium costs are too high to justify the expense for a benefit they may never use.

  • Using life insurance riders to pay for long-term care

    October 31, 2019

    If you’re thinking about buying a stand-alone long-term care insurance (LTCI) policy, you might have another option.

  • Life insurance: Do you need it?

    October 31, 2019

    At some point in your life, you’ll probably be faced with the question of whether you need life insurance.

  • Irrevocable life insurance trust (ILIT)

    October 31, 2019

    One of the main reasons we buy life insurance is so that when we die, our loved ones will have enough money to pay off our remaining debts and final expenses.

  • Group term life insurance

    October 31, 2019

    Group term life insurance is simply term insurance issued to people who belong to a group that has a common interest or association, such as an employer, a trade, or a school affiliation. Premiums increase annually or in “bands” of three- or five-year periods.

  • Comparing life insurance policies

    October 31, 2019

    Like anyone else, you want a life insurance policy that meets your needs and budget.

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