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Answering listener questions about the key protections every physician should have in place, from disability and umbrella coverage to malpractice and the real role of whole life insurance. The post In...
Standard homeowners insurance coverage often isn't enough. To be fully protected, homeowners need to consider natural disaster protection. The post Natural Disaster Preparedness — How to Ensure Your H...
I want to retire now and pay for health insurance until we get Medicare. My wife says we should work 10 more months. Who's right?
Retiring at 55 is not just retiring ten years earlier. It changes the entire math of your life. From 55 to 65, expenses are often at their highest. You are covering healthcare before Medicare, traveli...
Retirement is a new lifestyle and there are a number of adjustments that folks go through during this life changing event. On this episode we discuss 5 specific “Must Do's” with the objective of provi...
Let's talk about how elimination periods really work, why they exist, how different periods change cost and risk, and all the nuances. The post Picking the Right Waiting Period (Elimination Period) fo...
Gary Zimmerman of Max® explains how to utilize your cash asset in retirement. Cash is one of the most overlooked assets in retirement. Here’s how retirees can earn thousands more in interest while kee...
Hello everybody, Let me start by saying I am looking for your thoughts, not specific guidance. I have not yet found or spoken to any retirement planner, it's on the list to do soon. 1st Question, How ...
Many older Americans have a simple plan for paying for retirement: keep working longer, or never stop working at all. But for a large share of workers, that plan falls apart. About 40% of people who a...
I retired at 62 (now 63) in June 2025,and I have a Roth IRA with 15% and traditional IRA with about 85% of total. My wife is 64 and still working to pad her retirement and for our health insurance. I ...
Allianz Life Insurance Company of North America’s latest white paper takes a deep look at how different retirement income strategies—and especially various types of annuity products—can shape particip...
In this interview, I talk with the Director of the Idaho Department of Insurance - Dean Cameron - who is standing up to major Medicare Advantage insurance companies. These companies are eliminating co...
We’ve been here before: congressional Democrats and Republicans sparring over the future of the Affordable Care Act. But this time there’s an extra complication. Though it’s the middle of open enrollm...
Sarah Monroe once had a relatively comfortable middle-class life. She and her family lived in a neatly landscaped neighborhood near Cleveland. They had a six-figure income and health insurance. Then, ...
With the tax-free money in a health savings account, a person can pay for eyeglasses or medical exams, as well as a $1,700 baby bassinet or a $300 online parenting workshop. Those same dollars can’t b...
Financial regulators long ago neglected to recognize that insurance is also a financial product, and that investments and insurance are complementary financial tools—especially for retirees, writes ou...
A cancer patient might live in a town with four oncology groups, but only one accepts his insurance — the one owned by his insurer. A young couple could see huge bills after their child is born, becau...
Americans shopping for Affordable Care Act (ACA) marketplace insurance plans during open enrollment – which began this Saturday – are experiencing confusion and dramatically more expensive premiums. T...
Imagine it's 2004 and I explain to you what a mortgage-backed security (MBS) is. I show you how they work and how banks are using them to sell groups of mortgages to investors. Even with this knowledg...
Most families are not prepared for the moment when someone must step in and take over another person’s financial life. Whether it happens suddenly or gradually, it happens far more often than people r...
Life insurance trusts, particularly irrevocable life insurance trusts (ILITs), can minimize estate taxes and protect your heir's inheritance....
Today, I'm speaking with David McKnight. David is a best-selling author, world-renowned tax strategist, and financial educator who challenges some of the most popular (and misleading) retirement gurus...
Retiring soon. Looking for insights on my ability to retire, and things I haven’t considered — especially from women in similar life circumstances. I have 600K in mixed retirement accounts...
Nearly 10,000 people in America turn 65 every day. Why is that significant? It signals Medicare eligibility and shines a light on Medicare supplement insurance, known as Medigap....
FROM THE ARTICLE. Social Security Weighs Major Changes to Disability Rules. Advocates say regulations could affect hundreds of thousands of older adults sidelined from work by illness or injury. By Sh...
Today we answer a question from Sandi about how much umbrella insurance coverage you really need — especially as you approach retirement. We discuss why someone might choose a $2 million policy,...
In the first part of our series on estate planning, we laid the groundwork for why incapacity planning matters and what documents you need to get started. But there's more to it than just having your ...
A recent Supreme Court decision in Connelly v. United States has sent shockwaves through closely held businesses employing life-insurance-funded redemption-type buy-sell agreements. In this episode, w...
In this episode, we tackle Kay's questions about managing her IRA and Roth accounts in retirement. With significant assets, no LTC insurance, and children in differing financial circumstances, Kay wan...
My wife and I plan to retire at the end of 2028. While we both have good paying jobs now, for most of our adult lives, we've been barely making it - raising children and living paycheck to paycheck. O...
We all hear about the regrets many people have in retirement, probably too many to list. Most of those regrets have to with money and/or timing of peoples retirement, or decisions made about health in...
How claiming Social Security affects ACA health insurance depends on if there's a cliff, and your household income before and after Social Security. Learn the Nuts and Bolts I put everything I use to ...
Recently, in her Motley Fool article, A Big Reason the Famous 4% Rule May Not Work for Your Retirement, Maurie Backman confirmed what we have been telling our readers for years—you aren’t ...
Jeremy Keil compares long-term care insurance to self-funding long-term care through the lens of 3 clarifying questions....
Retiring usually means cutting out that daily commute which could make you less risky to insure. Does that mean your car insurance costs will drop? Here's what you need to know....
Disability insurance is vitally important, but if you're a foreign national, it's an even more complex issue. Here's what you should know. The post Physician Disability Insurance for Foreign Nationals...
You need a plan for dealing with long term care costs. Luckily there are some great alternatives to long term care insurance. The post 11 Alternatives to Long-Term Care Insurance appeared first on Bol...
It's a tricky period when your adult child is under 26 but needs health insurance. We ask financial experts for advice....
Tiktok, Reels, and Facebook, are all relentlessly targeting me with ads for a new retirement strategy that does not include annuities, life insurance, 401(k)s, IRAs, and proposes to me that it will ge...
Choosing your Medigap plan for supplemental insurance can be a complex, confusing, and costly process. Here's how to tackle the decision....
Umbrella insurance adds extra liability protection but it isn't for everyone. Learn who needs it and what it covers. The post What Is Umbrella Insurance and Do You Need It? appeared first on Boldin....
Long-term care (LTC) and insurance for it (LTCI) are two of the most misunderstood issues in retirement and retirement finances....
So, my story is a little different. I stopped working when I was 59 due to medical reasons. I was lucky enough to have had an insurance guy who insisted I take out a private disability when my wife wa...
Lately, I’ve been thinking more about estate planning. Part of it is just getting older. Part of it is having young children I want to protect no matter what. And part of it is watching the unse...
How have others approached life insurance once they get closer to their retirement savings goal? I just crossed the $1 million mark in a 401k and expect to reach my goal in less than five years. Which...
Cheapest Car Insurance in Michigan: A Comprehensive Guide...
Cheapest Car Insurance in Florida: 2025 Guide...
Beyond a death benefit, life insurance can provide significant financial value and flexibility through 'living benefits' while you are still alive, helping with expenses like education, business ventu...
The costs of homeownership may continue to rise in retirement. Here's how to manage that....
Types of Car Insurance: The Ultimate Guide...