Uncategorized Blog

June 25, 2016 by Brad Gunning

Using Your Credit Card Online

Have you ever entered your credit card information online? Since nearly 70% of Americans shop online regularly, chances are you have. It’s convenient. Often there’s free shipping. But the increase in online shopping has lead to an increase in identity theft online. Here are a few steps to make sure your credit card information is

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June 24, 2016 by Brad Gunning

How Much Does Life Insurance Cost?

If you’re trying to find out how much you’ll pay per month for a life insurance policy, there are plenty of resources out there (and this post intends to be one of them), but the best way to get an accurate idea of the cost of life insurance for you is to request a personalized

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June 23, 2016 by Brad Gunning

When is the Best Time to Buy a Medigap Policy?

When should you get a Medigap policy? The short answer: during your Medigap Open Enrollment Period. Buy Medigap During Your Open Enrollment Period The best time to buy Medicare Supplement Insurance (Medigap) is when you’re in the Medigap Open Enrollment Period. Open Enrollment begins on the first day of the month in which you’re both

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June 22, 2016 by Brad Gunning

Long-Term or Short-Term Disability Insurance?

You’ve decided to protect your income with a disability insurance policy. But the inquiry does not stop there: what type of disability insurance do you want? While eventually you’ll have to potentially evaluate features such as own occupation disability insurance, a guaranteed renewable policy, and non-cancelable disability insurance, today we’ll focus on a more preliminary decision: long-term or

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June 20, 2016 by Brad Gunning

The Power of Tax Deferral

When discussing when you should buy an annuity, we mentioned the tax deferred status of certain accounts. For example, many retirement devices, such as a 401k account or an annuity, allow the taxpayer to defer paying taxes until retirement. Let’s explore why tax deferral is such a powerful tool. Pay Less in Taxes With tax

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June 18, 2016 by Brad Gunning

The Pigeon Drop Scam

According to the Identity Theft Resource Center, there’s a new scam out there specifically targeting senior citizens. They’re calling it the “pigeon drop scam.” At the heart of the theft is a fake investment scam. Here’s how the scam works: A couple of thieves head to a busy parking lot, usually at a grocery store or

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June 17, 2016 by Brad Gunning

What is Return of Premium Life Insurance?

You’ve just had a baby, were recently married, or purchased a home. You make the responsible decision to buy life insurance. But what type? If you’re buying life insurance for one of the above reasons, we recommend term life insurance instead of whole life insurance. Once you’ve settled on an appropriate amount of life insurance

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June 16, 2016 by Brad Gunning

What is a Medicare Advantage Plan?

If you’re turning 65 years old, you’re probably familiar with the terms Medicare, Medigap, Medicare Supplement Insurance, and Medicare Advantage. But the differences between them and how they relate to each other is far from simple. Today we explore Medicare Advantage.     To begin, the first choice anyone interested in Medicare coverage makes is

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June 15, 2016 by Brad Gunning

Should a Lawyer Have Disability Insurance?

Should a lawyer purchase disability insurance? Most lawyers will be familiar with the answer: it depends. The reason anyone has disability insurance is to protect their income. If a lawyer (and this goes for any occupation, really) is independently wealthy and doesn’t rely on their income to make ends meet, then disability insurance doesn’t make a

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June 13, 2016 by Brad Gunning

At What Age Should You Purchase an Annuity?

Perhaps you like the security of a guaranteed annuity over fluctuations in the stock market. Maybe you’re looking to move money from a low interest savings account or CD into a higher interest annuity. Regardless, you’re intrigued by the prospect of annuities, but aren’t sure if now is the right time in your life to

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