Losing a spouse is one of the most difficult experiences anyone can go through. It can be emotionally and financially devastating, especially when it happens suddenly and unexpectedly. One of the biggest financial impacts of a spouse's untimely death is on the retirement plans of the surviving spouse.  A few things you can expect to [...]

So many of us are more concerned with the present than the future, but when it comes to life insurance, the opposite is true. The younger and healthier you are, the better chance you have of getting quality coverage at an affordable rate. Even if your health declines over time, term life policies come with [...]

It’s not unusual to hear someone say, “My grandma left me her porcelain doll collection in her will.” But what does that actually mean? How does she bequeath something like that? Well, it all comes down to a specific bequest. A specific bequest is when a testator or testatrix (the person writing the will) names [...]

Most of us have been there; you’re cruising along, having a great month, and then BAM! Something unexpected happens. Maybe it's an expensive car repair or an illness that requires medical attention. Whatever the case may be, you’re stuck with a hefty bill and no way to pay it. If this sounds familiar, then you [...]

College. A four-letter word that can strike fear and dread into the heart of any parent. How will you pay for it? What if something happens to you before your child is ready to go to college? The most cost-efficient answer is a term life insurance plan, which is designed to provide peace of mind [...]

You know what they say, “You can’t take it with you.” But you CAN make sure that your loved ones are taken care of after you’re gone. Mortgage Replacement Life Insurance is an insurance policy designed to protect your family from the burden of a mortgage in case of your death. This type of insurance [...]

Income replacement is a very valuable component of planning and is especially helpful in life insurance planning. The income replacement approach is a method of estimating the total amount of money you would need today to replace your income in the event of death. This approach takes into account factors such as salary and any [...]

What would happen if something unexpected were to occur and you weren’t around? Do you have a plan in place that will provide your family with the assurance they need to know that their lifestyle will be taken care of? It can be hard to think about these things, but having a mortgage replacement [...]

Are drivers losing the ability to decide where to get their cars fixed? That’s what proponents of right to repair legislation believe. They say automakers are making it increasingly difficult for independent repair shops to access the vehicle data they need to do their jobs, forcing drivers to rely solely on dealer-owned repair shops. This could raise the cost of repairing and insuring cars.

Are drivers losing the ability to decide where to get their cars fixed? That’s what proponents of right to repair legislation believe. They say automakers are making it increasingly difficult for independent repair shops to access the vehicle data they need to do their jobs, forcing drivers to rely solely on dealer-owned repair shops. This could raise the cost of repairing and insuring cars.