Life-Insurance Policies Add Rewards for Healthy Living

Life insurance policyholders have potential to save 10% or more on their premiums by doing things such as getting an annual physical, working out, or losing weight. These type of incentives were usually reserved for health insurance programs. John Hancock says a 45-year-old couple, each with a $500,000 universal life policy could save approximately $25,000 […]

Five Things to Do Before Meeting With an Advisor

Americans’ financial lives are increasingly complex. It’s not unusual to have checking and savings accounts, a 401(k), IRAs, and other personal investments. Keeping track of all your savings and investments has prompted many individuals to seek guidance. If you are part of this growing majority, you may have already scheduled a meeting with an advisor. […]

Bring Charitable Giving Into Your Estate Plan

Description: Charitable remainder trusts are a tool to donate appreciated assets while generating current income. Synopsis: If you have highly appreciated assets and are concerned about capital gains, gift, and estate taxes, you may want to consider a charitable remainder trust (CRT). This estate planning mechanism can provide you with an income stream and a […]

The problem with Congress’ new plan to pay Medicare docs

Doctors who accept Medicare patients have received reduced reimbursements from the government since 1997. Almost annually Congress passes short term spending measures called “doc fix”. This allows Congress to pay doctors a higher reimbursement rate. The issue has been that these are short term solutions to a long term problem. John Boehner and Nancy Pelosi […]

Planning Your Required Distributions

For those in or near retirement, the age of 70½ is a key transition point: Retirees need to begin planning for required minimum distributions (RMDs) that are taken annually from employer-sponsored retirement plans and traditional IRAs. Understanding the rules can help to ensure that you take these distributions in a manner that is best suited […]

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