What is Long-Term Care Insurance

Long Term Care insurance pays for services which help with daily living activities when a person is not able to perform them by themselves. Formally, they are called Acts of Daily Living or commonly referred to as ADL’s. Insurance companies define ADL’s as the...

What are Annuities?

Annuities are a type of financial product which are primarily used to produce income as part of a financial plan for retirement income needs. There are different types of annuity products and designs and uses of annuities, although, they are primarily used to fund...

Retirement Savings Monthly Budget

It is important to understand each of us has a different situation regarding our needs for retirement income. Some of us have pensions, others have inherited retirement accounts, but most people do not have those options in retirement so individual planning is needed...