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What is Your Long-term Care Plan?

October 31st, 2017|

By Dan Schulte, Vice President and Manager, Annuities and Insurance

According to the U.S. department of Health and Human Services individuals aged 65 and older have a 70% chance of needing care at some point in their lives.1 Also, it currently costs $102,930 annually for a private room in a nursing home in the United States […]

Delay Social Security Not Retirement

October 26th, 2017|

By Dan Schulte, Vice President and Manager, Annuities and Insurance and
Theresa Fry, Senior Vice President and Manager, IRA and Retirement Plans

If you are like most pre-retirees, you may be wondering: “When should I begin taking Social Security retirement benefits?”  Americans can begin receiving Social Security retirement benefits as early as age 62. However, beginning benefits […]

Small Business Protection from Employee Death or Disability

September 27th, 2017|

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.  In a small business, each employee usually has a more direct effect on a company’s profitability due to fewer employees interacting with customers, creating products, and/or performing services.  […]

Contractual Guarantees: Transfer of Risk and Peace of Mind

June 12th, 2017|

By Dan Schulte, 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, “How much risk am I still willing to take?” and/or “How afraid am I that I may run […]

Paying for Health Care in Retirement

June 5th, 2017|

By Dan Schulte, Vice President and Manager, Annuities and Insurance

People today are living longer, healthier lives than previous generations. And while longevity is something to celebrate, it does mean more years of paying for health care. That said, planning for the unexpected with insurance, and the premiums associated with that insurance, has become more important […]

Year-End Financial To-Do: Review Your Insurance Needs

December 15th, 2016|

By Dan Schulte, Vice President and Manager, Annuities and Insurance

As the holiday season approaches, maybe your thoughts turn to family concerns. As a result, it may be a good time to plan for the unexpected, to be sure you have the proper coverage in place should you become disabled or in the event of your […]

September is Life Insurance Awareness Month: Are You Covered?

September 13th, 2016|

By Dan Schulte, Vice President and Manager, Annuities and Insurance

September is Life Insurance Awareness Month which is a month-long public awareness campaign sponsored by the nonprofit organization Life Happens.

According to a recent* study 1 in 3 households would have immediate trouble paying living expenses if the primary wage earner died. If the income you earn […]

Summer Savings Strategies: Prepare For the Unexpected with Insurance

August 2nd, 2016|

By Dan Schulte, Vice President and Manager, Annuities and Insurance

Periodically it’s good to review your current auto, home, life and disability insurance coverage to make sure you have the proper coverages for your situation. An unexpected storm, accident, or illness could not only cause significant damage to your property and/or health, it could also throw […]

The Value of Tax Deferral in a Higher Tax Environment

May 3rd, 2016|

By Dan Schulte, Vice President and Manager, Annuities and Insurance

Like most things, taxation ebbs and flows. Today’s environment is no different — and it appears that, for now, taxation is on the rise. When the tax burden on individuals is increasing, the importance of tax deferral becomes especially important.

As a result of the American Taxpayer […]

When You Can’t Work, Disability Insurance Goes to Work for You

May 2nd, 2016|

By Dan Schulte, Vice President and Manager, Annuities and Insurance

How would you pay your bills and expenses if an accident or illness kept you from working and earning a paycheck? If you are like most Americans, a significant time away from work would have a devastating impact on your family. According to a recent study, […]