Risk Management & Insurance

Have a High Deductible Health Plan (HDHP)? Maybe you chose it for the lower premiums, but now you're wondering how best to manage those higher potential out-of-pocket costs. What if I told you the key to managing those costs is a tax-advantaged medical savings account that can double as a stealth retirement...

You've worked hard, saved diligently, and now you're enjoying retirement. But have you considered life insurance as a senior? It might seem counterintuitive, but for many retirees, it's a crucial piece of the financial puzzle. Quick answer: Life insurance for seniors can provide peace of mind, protect your loved...

Car insurance is a type of insurance coverage for damage or injury caused by a car accident. This is a mandatory requirement in most states in order to operate a vehicle legally. Yet, car insurance isn't just about following the law - it's also about protecting yourself financially in...

When it comes to life insurance, being prepared is crucial. While it may seem like a complex topic, having the right coverage can provide vital financial /overview-of-the-financial-planning-process/security for your loved ones in the event of your passing. In this comprehensive guide, we will delve into all the essential aspects...

I once had a new client, a sharp young engineer, who was proud of the "great deal" he got on his auto insurance. But when we dug into his policy, we found he was paying nearly $800 extra per year because he believed the myth of "full auto coverage"....

Hey there, fellow drivers! You have questions about car insurance? If you're like me, you probably dread the thought of dealing with car insurance. It can be confusing, time-consuming, and expensive. However, having the right auto insurance coverage is crucial for protecting yourself, your passengers, and your vehicle in...

Most people carry the wrong insurance. They overinsure things that don't matter (extended warranties, travel insurance for a $400 trip) and underinsure catastrophic risks (disability, liability). I spent 20 years fixing this mistake. You May also want to read my guide The Ultimate Guide: Everything You Need To Know About...

Have you ever pondered the possibility that you'll need long-term care services as you embrace your golden years? It's a reality that many individuals aged 65 and above face. With such a significant number of people requiring long-term care, it's crucial to understand the benefits and costs of care...

Let's be honest: choosing a health insurance plan feels designed to be confusing. You're hit with a wall of acronyms such as HMO, PPO, ACA. And then asked to make a crucial decision that could impact both your health and your finances for the entire year. It’s no wonder...

In my 25+ years as a planner, I've seen more families financially crippled by what was not in their homeowner's policy than by stock market crashes. Not only do I live in South Florida, but so do many of my clients. So unfortunately, I know more than most...