Monthly Archives: September 2015

Medicare Open Enrollment

Posted on September 25, 2015 by Admin

The annual Medicare pen enrollment period begins Oct. 15 and ends Dec. 7 with an effective coverage date of January 1st, 2016. If you miss this window, you’ll need to wait another year to get a better plan or at least know that you have the best plan you’re your health). Whether you (or a loved one) have been covered by Medicare, it is a great time to reevaluate features of your policy to see if you are getting the … Continue reading

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Is a fiduciary relationship important?‏

Posted on September 15, 2015 by Admin

I was thinking about the “right” lead-in to the video below and I found it in a book written by a well-known colleague who is a fellow Certified Financial Planner, Roy Diliberto. Here’s a few verbatim sentences from page 7 in his book, “Basic Truths for Financial Life Planners” about why clients should want their advisor to act as a “fiduciary” vs. the much lower but more prevalent “suitability” standard of care. Here it goes: From page 7: “How does this sound for an elevator speech? I want to help you with your financial goals, but … Continue reading

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Accumulation and Distribution

Posted on September 9, 2015 by Admin

“Accumulation vs. Distribution” is another part of the “Math vs. Money” concept. One of the most difficult concepts I have to train my own clients to appreciate and fully understand is the fact that rates of return are not just meaningless when it comes to retirement income planning, they are misleading and can even be dangerous as well. You can also watch a short 5 minute video webinar about MATH vs. MONEY on the video page of this website. It Can … Continue reading

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