elder planning Chandler Arizona

Caring for Aging Parents

There are important steps you can take to help your aging parents find living and health care assistance, as well as to secure financing for the cost of the care. Many adults have aging parents who are in need of living and health care assistance. There are a number of resources today that can help them grow old gracefully, either …

risk tolerance financial planning

Your Risk Protection Plan

Your insurance at mid-life: Gauging if you are underinsured. Life comes with all sorts of curveballs. Sometimes, they’re easily overcome and even end up being positive experiences. But every now and then, something unexpectedly serious can happen. When was the last time you assessed your insurance coverage? It may be time to reevaluate your needs. Follow this simple checklist; it …

financial advisor Chandler Arizona

Advance Health Care Directives

Also known as a living will, personal directive, advance directive or advance decision. Planning ahead for future health care decisions is an important step for you, your family and/or loved ones. In the event of a major health event, where you may be unable to communicate, an advance health care directive provides medical instructions that reflect your personal values and …

financial planning GIlbert Arizona

Long-Term Care Choices

A look at three other Long-Term Care (LTC) coverage options Traditional long-term care insurance has grown costlier—and some of those who buy it may never need the coverage. Are potentially cheaper, flexible options available? Yes. 1 Hybrid life insurance policies with LTC riders. These life insurance policies have LTC coverage options available for a fee that you can use if needed, …

Long Term Care Insurance: The Real Cost of Aging

There is a good possibility that you or your spouse will eventually require some form of long-term care. According to the U.S. Department of Health and Human Services, about 70% of people aged 65 or older will enter a nursing home for some period of time during their lifetimes.1 Whether you or your spouse will be among this group is …