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  • A piece of paper with words Long-term Care Insurance encircled by a stethoscope.

Long-term care insurance (LTC): Evaluating cost and benefit

By Gary Brooks, CFP® One of the most difficult financial planning decisions is whether to purchase long-term-care insurance to possibly cover the costs of extended care late in life. It is hard to know whether you clearly have enough savings to self-insure against this potential need
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Life Insurance: Cover your risks

By Gary Brooks, CFP® Life insurance is a frequently misunderstood part of personal finance. For many, this form of risk management should be the foundation of a pyramid of financial security. This is especially true when protecting risks while you are early in your career and family l
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  • Coworkers of different ages and gender in an open office environment

Life insurance considerations for different decades

By Allyn Hughes, CFP®, ChFC®, CLU®, CAP® Most people either know very little about life insurance or hate it. As financial advisors, we don’t love it, but we understand that for most relatively successful people it is a necessity for protecting the financial security of loved ones. Of
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  • Man about to step on a banana peel - accidental injury

Disability insurance: More important than you may think

By Allyn Hughes, CFP®, ChFC®, CLU®, CAP® Long-term disability (LTD) coverage is an often-overlooked aspect of personal financial planning. LTD insurance provides monthly income to people who become disabled for (usually) 90 days or more. Many employers provide LTD coverage for their e
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