Risk Management

The Details More People Should Know About Medicare


  Before you enroll, take note of what medicare insurance does not cover and the changes ahead.     Misconceptions about Medicare coverage abound. Our national health insurance program provides seniors with some great benefits. Even so, traditional Medicare does not pay for dental care, vision care, or any real degree of long-term care. How [...]

The Details More People Should Know About Medicare2018-09-21T12:45:50+00:00

Reducing the Risk of Outliving Your Money


  What steps might help you sustain and grow your retirement savings?   “What is your greatest retirement fear?” If you ask retirees that question, “outliving my money” may likely be one of the top answers.  Retirees and pre-retirees alike share this anxiety. In a 2014 Wells Fargo/Gallup survey of more than 1,000 investors, 46% [...]

Reducing the Risk of Outliving Your Money2016-03-11T20:29:21+00:00

Your Year-End Financial Checklist


Seven aspects of your financial life to review as the year draws to a close. The end of a year makes us think about last-minute things we need to address and good habits we want to start keeping. To that end, here are seven aspects of your financial life to think about as this year [...]

Your Year-End Financial Checklist2015-11-19T11:20:18+00:00

The Strong Dollar: Good or Bad?


What is dollar strength & who invests in it? You may have heard that the dollar is “strong” right now. You may have also heard that a strong dollar amounts to a headwind against commodities and stocks. While there is some truth to that, there is more to the story. A strong dollar does not [...]

The Strong Dollar: Good or Bad?2015-04-22T12:07:51+00:00

What Does Medicare Cover?


What Is Medicare? Medicare is the federal health insurance program for elderly persons and certain disabled individuals. In 1965, Medicare was enacted to provide a “safety net” of health-care coverage for qualifying individuals. Medicare is packaged in two major parts. Part A is hospital insurance protection. It covers hospitalization, some hospice care, and a limited [...]

What Does Medicare Cover?2011-11-15T11:13:09+00:00

Am I Prepared for Long-Term-Care Expenses?


In general, Americans are not sufficiently prepared to pay for long-term care. Many of them go through their lives simply hoping that they won’t ever need it. Unfortunately, in the event that you or a loved one does need long-term care, hope won’t be enough to protect you from potential financial ruin. Also, the odds [...]

Am I Prepared for Long-Term-Care Expenses?2011-11-15T11:12:04+00:00

How Can I Determine the Financial Strength of My Insurance Company?


How do you compare life insurance companies? What features do you examine? What criteria do you use? How do you know what to look for? Making sure that your insurance company is financially sound is an important part of helping to ensure family security. Fortunately, there are a number of independent companies that make these [...]

How Can I Determine the Financial Strength of My Insurance Company?2011-11-15T11:11:40+00:00

What Is the Difference Between an HMO and a PPO?


Selecting health insurance is often one of the most important decisions you will make. Health maintenance organizations (HMOs) and preferred provider organizations (PPOs) are types of managed health-care plans and can cost much less than comprehensive individual policies. Through the use of managed care, HMOs and PPOs are able to reduce the costs of hospitals [...]

What Is the Difference Between an HMO and a PPO?2011-11-15T11:11:18+00:00

How Can I Extend My Liability Coverage?


In this litigious society, no one is immune from potential lawsuits. Anyone with significant assets might need protection from the devastating effects of a liability lawsuit. Elected officials and members of boards may be especially vulnerable. It’s not uncommon for plaintiffs to name everyone involved in an incident who has any perceived authority, responsibility, or [...]

How Can I Extend My Liability Coverage?2011-11-15T11:10:58+00:00

What Types of Health Coverage Are Available?


Rising health-care costs have driven the demand for, and the price of, medical insurance sky-high. The availability of group coverage through employment has helped many Americans face such costs. However, people who are not currently covered by their employers have few affordable sources for group coverage. If you are not covered at work, inquire about [...]

What Types of Health Coverage Are Available?2011-11-15T11:10:39+00:00