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Affordable Housing a Challenge for many Americans

By webteam | August 27, 2019 | Comments Off on Affordable Housing a Challenge for many Americans

If you live in or have recently visited one of America’s larger cities, you may have noticed that the homeless problem has grown in recent years. A 2018 analysis by real estate data company Zillow showed that while the level of homelessness has declined nationally — down 13 percent over the past eight years, according…

Upcoming Changes for Medicare Supplement Insurance Plans

By webteam | August 20, 2019 | Comments Off on Upcoming Changes for Medicare Supplement Insurance Plans

A Medicare supplement insurance plan, also known as a Medigap or Med Supp plan, is purchased in combination with original Medicare to help pay out-of-pocket costs not covered by original Medicare. As of Dec. 31, 2018, nearly 13.6 million people were covered by Med Supp plans, representing nearly a 4% increase from the previous year.…

The Millennial Effect

By webteam | August 13, 2019 | Comments Off on The Millennial Effect

Recessions have consequences, and the Great Recession of 2008 may have produced one of the most influential consequences of all: the millennial mindset. Because of their early experiences in the “real world,” this generation is poised to have long-term significance — comparable to baby boomers — in work, play and politics. If you think boomers…

Quick Income Ideas

By webteam | August 7, 2019 | Comments Off on Quick Income Ideas

The Federal Reserve recently reported that four out of 10 American adults surveyed said they would struggle to pay for an unexpected expense of $400 or more.1 This revelation goes against the common financial advice urging adults to have three to six months of expenses saved in an accessible account for emergencies.2   Nearly everyone…

Who is Caring for Our Elderly?

By webteam | July 30, 2019 | Comments Off on Who is Caring for Our Elderly?

The “elderly” portion of retirement is the phase that is past travel, golf, shopping, piggyback rides and puzzles on the floor with the grandkids. It can often consist of isolation, loneliness and boredom — possibly compounded by the inability to drive, take a walk or even hear loved ones talk on the phone. Many continue…

Challenges in the Health Care System

By webteam | July 23, 2019 | Comments Off on Challenges in the Health Care System

The older we get, the more likely we are to need medical care, which is why health insurance premiums are higher for mature adults.1 Unfortunately, most doctors are given the least medical training in caring for older adults.2 Medical schools focus a fraction of their curriculum on older adults, though older adults represent a higher…

Social Security Benefits: Spouses, Ex-spouses and Surviving Spouses

By webteam | July 16, 2019 | Comments Off on Social Security Benefits: Spouses, Ex-spouses and Surviving Spouses

As you begin the retirement planning process, it’s important to have a strategic income plan with regard to Social Security benefits. It is particularly important for married couples to consider not only when the primary breadwinner should begin drawing benefits but also how that start date could affect a spouse whose benefit is derived from…

Assessing your Mortgage Situation in Retirement

By webteam | July 9, 2019 | Comments Off on Assessing your Mortgage Situation in Retirement

When it comes to retirement preparation, a common benchmark goal is having one’s mortgage paid off. This typically removes a large, ongoing payment from the budget and can reduce retirement expenses substantially. Some people even schedule their retirement just after their final payment date.   Here’s an even better idea: Schedule your retirement date six…

Don’t let presumed costs deter your insurance decisions

By webteam | June 25, 2019 | Comments Off on Don’t let presumed costs deter your insurance decisions

The No. 1 reason to purchase an insurance policy is to cover expenses that would otherwise create a financial hardship for you or your family. Many policies are often employer-sponsored, but if you don’t have access to affordable options or would like to review potential financial vulnerabilities that could be covered by insurance, please give…

Efforts Growing to Address Mental Health Issues

By webteam | June 18, 2019 | Comments Off on Efforts Growing to Address Mental Health Issues

Although mental illness has long been stigmatized, fortunately, things are beginning to change. Starting this year, dozens of health systems are adopting widespread solutions to address mental health conditions, including untreated depression, teen suicide and post-traumatic stress disorder (PTSD).1 Here are some startling statistics:2   As of 2016, 44.7 million American adults had experienced a…

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