By: Amy E. Buttell | Horsesmouth   Health care costs are rapidly emerging as a major expense item, both before and during retirement. With lifetime employment a relic of the past and longevity on the rise, it’s more important than ever to estimate how much to save to cover costs in retirement and include those…

By Elaine Floyd | Horsesmouth   People are confused about Medicare—both about how the system works, and how these inner workings affect their retirement decisions. These ten questions address some of the most common sources of confusion around Medicare: When to sign up, what to do if you are still working, how much it costs,…

In recent months, I’ve noticed a growing trend of insurance agents, particularly those affiliated with multi-level marketing companies, promoting Indexed Universal Life (IUL) policies aggressively on social media. These promotions often paint IULs as a catch-all financial solution, which has led many of my clients and prospects to ask about their viability as part of…

As financial professionals, one of our core responsibilities is helping you make confident decisions about where and how to put your money to work. While most conversations focus on investments, retirement savings, or tax planning, everyday financial choices—such as car insurance—can also make a meaningful difference in your bottom line. A common but often overlooked…

Have you ever wondered how much life insurance is “enough”? One general rule of thumb says that you should buy an amount equal to five to seven times your annual income. Sure, it may be a reasonable guideline, but this method does not relate life insurance needs to your personal financial goals. A better method…

As we plan and invest for the future, it’s important to remember that financial well-being extends beyond markets, portfolios, and retirement accounts – it also includes protecting yourself and your family from unexpected healthcare costs. Choosing the right health insurance plan can feel complicated, but understanding your options will give you confidence and can help…