Our Articles

Who is IRMAA and why do I need to know about Her?

Do you pay more than $134 per month for Medicare Part B? This may be the reason! The “Big Day” is fast approaching! You will be age 65 soon. You’ve done everything you need to begin this new life; notified your employer you’re retiring, contacted Social Security and filed for Social Security benefits and Medicare,…
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A Caregiver Process for Loved Ones

So you woke up at bit early today, now you are trying to figure out how you can get Mom to her 3:30pm doctor’s appointment and see your son’s school baseball game at 4:00pm. Life today is active, especially for women ages 45 to 56 who care for both their parents and children. The label…
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What If – Could This Happen To Me?

It’s late at night, you’re alone and driving home. You’re tired, but still have a couple miles to go. At last, you’re about a half mile from home. You relax and fall asleep at the wheel. You go off the road waking up as you’re going over some big bumps. You’re off the road and…
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Plan to Save Assets Not Lose Life Insurance

John is married and has three $100,000 life insurance policies. These policies have cash values of $35,000, $28,000 and $22,000 respectively. John and Mary are in their mid-70s and have done well accumulating assets during their working lives, but unfortunately, he had to move to a nursing home. After years of spending well over $100,000…
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