Self-motivated people are often the driving force in the success of a business, and nowhere more than in a small business. Frequently, just one or two talented individuals that possess education, knowledge and/or skills that other employees do not have are the biggest difference makers in the success of the operation.
We often say that our clients buy life insurance for one of two reasons – you love somebody or you owe somebody. For most, it will be the first reason. You want to protect a loved one and there is a financial dependence on your income.
Understandably, no one likes to contemplate the end of his or her life. We work to focus on the moment and live in the present, hopefully enjoying life stages and milestones as they come. While thinking of our own demise may seem unpleasant, just like birth, death will be a part of everyone’s life.
As it does every few years, projections that the estate tax will soon sunset have begun to emerge. But we feel very strongly that even if it were to do so, the need for life insurance within estate planning would still be vital. Life insurance has the ability to satisfy an array of necessities that only life insurance can.
Although most individuals have insurance coverage of some kind many don’t realize they are leaving themselves vulnerable to catastrophe by not having the correct type of insurance coverage or even by simply not having enough coverage.
This isn’t our parents’ or grandparents’ retirement anymore. Just a few decades ago, many retirees enjoyed the full benefits of the “three-legged stool” of retirement provide by guaranteed pension payments, savings, and Social Security.
It's my belief that humor can be motivating, draws us together, and allows us to view our lives from another's perspective. I hope you enjoy this assortment of quotes relative to how others have viewed being retired.
“Two weeks is about the ideal length of time to be retired.” – Alex Comfort
It's my belief that humor can be motivating, draws us together, and allows us to view our lives from another's perspective. I hope you enjoy this assortment of quotes relative to how others have viewed retirement.
“The best time to start thinking about your retirement is before the boss does.” - Anonymous
One of the most fundamental tenets of financial planning we faithfully apply in our work with our clients is to Plan for the Expected, and Prepare for the Unexpected. Our many years in practice have provided us with continuous reminders that life-unexpected happens with the potential to derail the best laid plans for the expected.
While our extended longevity should be greeted with gratitude for the possibility of enjoying a longer life with our grandchildren, many retirees are approaching it with trepidation, wondering if their hard earned assets will be sufficient to fulfill their vision of a good life for the rest of their life – however long it should last.
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