Long-Term Care Insurance: 7 Common Questions Answered

Once people start to learn about Long-Term Care Insurance (LTCI), they often have questions. Here, we answer those we hear most often. What is the underwriting process for LTCI? Whether you’re considering a traditional or asset-based LTCI plan, step 1 of the process is to answer a preliminary health questionnaire. This helps to determine which

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Retirement Mistakes to Avoid

Americans have a retirement savings problem ‒ for some Baby Boomers, “crisis” is not too strong a word ‒ and it’s causing a fair amount of anxiety. Recent surveys cite statistics like these:  more than a third of all working-age adults haven’t saved any money toward retirement; 41% of folks in their 50s are not

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3 Important Facts to Know about Long-Term Care Insurance

While many people think they know what Long-Term Care Insurance (LTCI) is, there are many misconceptions out there. Here, we review three important facts to help you gain a clearer understanding of LTCI. Fact #1:  Medicare Isn’t the Same as Long-Term Care Insurance According to AARP, a surprising number of people still believe that Medicare will cover

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Your 2-Minute Introduction to Long-Term Care Insurance

You’ve heard about Long-Term Care Insurance (LTCI), but do you really know what it is, not to mention if you need it?  LTCI reimburses policyholders a fixed daily or monthly amount when they require assistance with two of six specific activities of daily living or because of cognitive impairment due to Alzheimer’s disease.  The six

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Planning For Your Retirement: The Home Stretch

Looking forward to retirement? If you’ve built a nice nest egg, you’ve taken care of one of the critical tasks in preparing for retirement.  But simply having significant savings doesn’t mean you’re ready to retire well. For those planning to hang ‘em up in two to three years, it’s essential to work your way through

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Avoid the Medicare “Late-Enrollment Tax”

For most people, retirement is a time to say goodbye to many of the stresses of our working lives. But it’s important to recognize that the transition into retirement is full of decisions and deadlines – and it’s important to navigate them diligently. That brings us to an important area that too many people are

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As We Close the Year

As we look back, it’s important to bear in mind that a single year provides a limited perspective of our financial lives. Did we do a little better financially in 2014 than we did in 2013? And if we did, what is the overall significance of that fact? The key to putting any year in

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Spend Your Bonus the Smart Way

If you’ve received a year-end bonus, you’ve got reason to celebrate. But if you’re like many people, you may also be experiencing some anxiety. There seem to be countless ways to use your windfall, after all. And since bonuses come just once a year, you may be feeling pressure to make the right decision. A

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Charitable Giving the Smart Way

The end of the year is a time when our thoughts turn to giving—both for altruistic reasons and tax reasons. But while the intention to do well by doing good is laudable, it must be carefully executed so that our gifts are as meaningful and tax-efficient as possible. Here are a few points to bear

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Keeping Your Data Secure Online

Like ants at a picnic, thieves have swarmed to cyberspace. And they’re after much more than the crumbs from our lunch. They are bent on stealing our personal information so that they can move on to stealing our assets, our credit and anything else we have of value. Recent news that Target, Home Depot, JP Morgan,

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