Medicare Covers a Lot. It Doesn't Cover Everything.

A Small Policy That Solves a Big Problem

Two Different Tools for Two Different Goals Clients often come to me asking about annuities without knowing there are different types built for different purposes. Two of the most common are Multi-Year Guaranteed Annuities, or MYGAs, and Fixed Index Annuities, or FIAs. They're both about protecting principal, but they work differently.

The Question I Wish More People Asked Earlier Most people don't think about long term care planning until they're already in the middle of a crisis, whether that's a parent's diagnosis or their own health scare. By that point, some of the best options are already off the table. So when should you actually start thinking about this?

Missed Medicare's Annual Enrollment Period? A Special Enrollment Period may still let you change plans. Here's what qualifies and how it works.

Medicare is one of the most important financial decisions you’ll make in retirement. It’s also one of the easiest to get wrong — not because people aren’t paying attention, but because the rules are genuinely complicated and the consequences of certain mistakes are permanent.

For retirees and pre-retirees, few things are more unsettling than watching the stock market drop 20, 30, or even 40 percent. When you’re drawing income from your savings, a major market decline early in retirement can permanently damage your financial plan — a phenomenon called sequence-of-returns risk. Fixed Index Annuities (FIAs) are designed specifically to address this risk.