Insurance Planning

Let us help plan your insurance and its role in your financial plan.

  • Long Term Care Insurance

    Long Term Care Insurance may be your best option if you develop a chronic illness or become disabled and can no longer care for yourself for an extended period of time.

    Who Needs It?
    Given that the cost of long-term care can quickly deplete your life’s savings, you should seriously consider adding long-term care insurance to your financial plan. Plus, there’s about a 70% chance you’ll need some type of long-term care after age 65.

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    Types of Care

    Long-term care insurance pays for a wide range of services and procedures that typically aren’t covered by medical insurance. The types of care fall into three categories: skilled, intermediate and custodial.

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  • Independent Broker Dealer

      

    - Retail brokers are commissioned agents compensated by their firm or a third party for selling you investment products.

    - Commonly known as stock brokers, you can also find them labeled as Financial Advisors and Financial Consultants. Despite the titles, they should not be confused with independent, fee-only advisors. 

    - Retail brokers typically offer two different types of accounts: a “classic” brokerage account and an investment advisory account.

  • Insurance Company

     

    • Retail brokers are commissioned agents compensated by their firm or a third party for selling you investment products.
    • Commonly known as stock brokers, you can also find them labeled as Financial Advisors and Financial Consultants. Despite the titles, they should not be confused with independent, fee-only advisors. 
    • Retail brokers typically offer two different types of accounts: a “classic” brokerage account and an investment advisory account.

 Why might an independent R.I.A. be a good choice for an investor?

  • Independent RIA’s generally have affiliations with a variety of firms that assist with tax planning, estate planning, money management and more. These affiliations allow them to help their clients with complex financial needs.
  • They generally have affiliations that are free from the conflicts of interest you often see at retail brokers, independent broker dealers, or captive insurance agents.
  • The compensation of some independent registered investment advisors is directly related to growing the assets of their clients, which can benefit the advisor and client alike.

 

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