Welcome to our Education Center

Choosing between Original Medicare and an advantage plan is a very important decision. Sit down with a licensed and independent advisor who can help match a plan to your medical and financial needs. (01:07)                                                                            

 Don't overlook these 5 very important Medicare facts (01:30)                          

  Advantage plans (Part C) are managed health care plans that are part of the Medicare program. Coverage may include Medicare Part D prescription drug coverage as well as hospital, doctor, skilled nursing, and other medical services. (01:37)                                                                                         

 A Medicare Supplement (Medigap) insurance, sold by private companies, can help pay some of the health care costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles. (01:55)                                   

Cancer Survivors are 2.7 times more likely to file for bankruptcy. This is why you should consider a Lump Sum Cash Cancer Policy. The money can help you cover lost wages, help cover treatment costs, and a lot more. (01:23)

 If you're a state employee exiting FRS Deferred Retirement (known as DROP), you should know your options. Exiting DROP requires that you take the full amount you’ve saved… and that carries with it serious tax implications. Or you can remain with FRS and put some or all of your DROP funds into the FRS Investment Plan. Finally, you can move all or part of the DROP funds you have earned and invest them with an outside firm.   Seeking an alternative to the FRS Investment Plan is worth considering, when compared to the more traditional offerings of FRS. You may discover that DROP funds can be invested in other creative ways that may better fit your needs in retirement.  (01:19)

 Arriving at a decision on when to retire is not easy. If you retire early, it could affect your spouse’s benefits. And wages and other taxable income could cause up to 85% of your Social Security benefits to be exposed to income taxes. Proper planning takes all of these factors into account to determine a Social Security strategy. For instance, a repositioning of assets could reduce taxable income and provide for more reliable monthly income. With over 500 different combinations of factors affecting benefits, it makes sense to talk to a financial advisor and get it right. (01:25)

Here are 5 common mistakes within retirements. (01:23)

 We can help take the mystery out of preparing for today and tomorrow. Whether you are investing to build wealth, protect your family, or preserve your assets, our personalized service focuses on your needs, wants, and long-term goals (01:39)

 Choosing when to take your social security benefits can have a major impact on your surviving spouse. It took a life time of hard work to build your benefits.  Let's have a discussion to help you pass them to your surviving spouse. (01:25)

 Annuities are both a savings and an income investment that pays out over a period of time. (01:19)

 If you’ve become the beneficiary of an IRA or other retirement account, it’s important to know your options. You can take the money out in one lump sum. This requires opening an account called an Inherited IRA in your name for correct IRS reporting. That lump sum may be taxable depending on whether the original contributions were pre or post-tax. Or you can open an Inherited IRA and leave it alone to grow tax-deferred. You can't make additional contributions and must start taking Required Minimum Distributions based on when the deceased would have turned 72. You must also liquidate the account in ten years. With this option, you can name your own beneficiary to pass it on. If your spouse left you the account, you’re allowed to roll those assets into your own retirement account and follow your account’s distribution rules. You could also disclaim the account, or not accept it. The assets can then pass on to alternate beneficiaries. If you disclaim, it must be done before taking possession of the account, and within nine months of the original owner’s death. (01:26)

Are you on track to manage inflation during your retirement? (53 Seconds)

  Discover Richard's inspiring journey of resilience and hope as he faced stage four cancer. Find out how living benefits and a positive mindset helped him regain control of his life and create a new future with his family. (02:38) 

  Meet Carmen, a mother, an entrepreneur and a widow at 32 years old. See how life insurance is helping Carmen and her family heal and build a new life.  (02:25)

 For every Life Insurance policy, there is an owner (which is usually the insured) and a beneficiary. At death, the proceeds are included in the owner’s estate for Estate Tax consideration. If proceeds pass to the spouse, they could become estate taxable in the spouse’s estate. The Life Insurance Trust is irrevocable and non-amendable, and thus is an entity unto itself. There are several benefits to an Irrevocable Life Insurance Trust:  the trustee of the trust can control the distributions from the trust. And it provides added liquidity without having to liquidate assets for the survivor. (01:17)  

 Whether you are investing to build wealth, protecting your family, or preserving your assets, life insurance may be able to help. (01:33)

 Take a quick look at how Physician Mutual's dental insurance works. (01:38)