Retirement
How to measure your retirement income gap
The income you want, less what Social Security and any pension will pay, is what your savings must supply. Here is how to size that gap in today’s dollars, and the main ways to close it.
Insights
Plain-English guides to protecting what you build
Life insurance, retirement income and planning for a business, explained with the costs and trade-offs in view. Read the reasoning before anyone shows you a quote.
Featured · Life insurance
How much life insurance do you actually need?
Skip the rules of thumb. Add up what your family would need if your income stopped, subtract what is already in place, and the gap is your number.
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Questions worth thinking through
Indexed universal life
Indexed universal life, explained honestly
Caps, participation rates, the floor and the charges that come out every year. What an IUL policy can and cannot do, and the questions to ask before anyone shows you an illustration.
Business owners
Key person coverage and buy-sell funding, explained
If a partner or a key person died or could no longer work, would the business have the money to carry on, and would the family be paid fairly for their share? Two plans answer those questions.
Life insurance
Term or permanent life insurance: how to choose
Term covers the years your family depends on your income. Permanent coverage lasts for life and builds cash value, at a much higher price. Here is how to tell which need you have.
These articles are general education, not advice for your situation. Your own numbers, health and goals decide what fits, which is what a strategy session is for.
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