Plan for the Unexpected

When you think about financial planning, many think in terms of saving for college or retirement, or investing in the stock market. Sometimes, an overlooked consideration is planning for the unexpected, which can severely impact your ability to generate income and...

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Business Owners May Need a Buy/Sell Agreement

Business Owners May Need a Buy/Sell Agreement

By Dan Schulte, Senior Vice President and Manager, Annuities and Insurance Running a business with other people can be very rewarding and successful. Utilizing each owner’s unique abilities can often lead to the best business outcome. This is usually...

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Annuity Lifetime Guaranteed Income Gives Confidence

Annuity Lifetime Guaranteed Income Gives Confidence

By Dan Schulte, Senior Vice President and Manager, Annuities and Insurance There is little argument that equities have produced impressive returns over a long period of time, but retirees and pre-retirees often begin to ask themselves questions such as,...

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The Importance of Health Care Planning During a Time of COVID

The Importance of Health Care Planning During a Time of COVID

By Jeffrey R. Wolfe, Senior Vice President, Manager of Wealth Planning Strategies Times have changed.  Masks, social distancing, quarantine – it’s a new world.  One thing that remains, though, is making sure you plan for yourself in case of an emergency. ...

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Year-End Financial To-Do: Develop Your Long-Term Care Plan

Year-End Financial To-Do: Develop Your Long-Term Care Plan

By Dan Schulte, Senior Vice President and Manager, Annuities and Insurance November is Long-term Care Awareness Month Long-term care needs will vary from person to person, but according to HHS’s Administration on Aging, someone turning 65 today is 70%...

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The Time for Life Insurance is Now

The Time for Life Insurance is Now

By Dan Schulte, Senior Vice President and Manager, Annuities and Insurance The COVID-19 pandemic has illustrated just how quickly lives can change due to illness and/or death.  The outbreak has resulted in many people thinking about how to increase the...

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Lifetime “Stretch” IRA Dies; Life Insurance Lives

Lifetime “Stretch” IRA Dies; Life Insurance Lives

By Dan Schulte, Vice President and Manager, Annuities and Insurance The recently passed Setting Every Community Up for Retirement Enhancement (SECURE) Act, changes the post-death distribution rules for retirement account owners by requiring most...

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Long Term Care Insurance Month – A Personal Story

Long Term Care Insurance Month – A Personal Story

By Joanne M. Welker, CFA, Senior Vice President and Manager, Advisory Services When I read Dan Schulte’s blog last week about addressing Long Term Care denial, I was thankful my father didn’t experience such denial and it prompted me to want to share my...

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What is “Key Employee” Life Insurance?

What is “Key Employee” Life Insurance?

By Dan Schulte, Vice President and Manager, Annuities and Insurance All businesses, regardless of their size, have key employees that are invaluable to the success of the company.  The death of an individual whose services are important to a business will...

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