Do You Have “Enough” Life Insurance?

May 11, 2019

Do you have enough life insurance? It’s not a question most people like to consider. But it’s something one should consider. Why? Things change. Policies that seemed perfect may no longer be. Or the amount of insurance, once thought adequate may not be. And then there is also the change in the type of policy […]

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The Cost of Long Term Care (and how to plan for it)

April 1, 2019

I know, I know. Nobody wants to go into a LTC facility. But the truth is, many people do every single year. If a person faces a health issue, and cannot take care of themselves, this is where they recover at. And for many, it is a temporary situation. And for many, it is covered […]

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What The Opioid Crisis May Mean For You

August 22, 2018

Most people are aware that the U.S. is in the midst of an “opioid crisis.”  The number of deaths related to opioids has been growing at a shocking rate since 2010. What is “opioid’s”? Everything from Oxycodone, Vicodin, Codeine, Morphine, Heroin and Fentanyl. So it covers both legal and illegal substances. What you may not have […]

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A 2018 New Requirement Self-Employed People Need To Know About

August 16, 2018

You could not be blamed for thinking that if you are self-employed with no employees you have no requirements to report to the California Employment Department. And this was true up until this year. [Larger employees had to do what I am outlining beginning in 2017]. However, a new law in 2018 requires that if […]

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Why Examine Your Choice in Medicare Supplements

June 25, 2018

If a person lives in California, there is a provision to change your Medicare Supplement in the month of your birthday … without having to answer health questions. Why would a person do this? Every company offers plans that are duplicated by other companies. But they are not priced the same. So one reason is […]

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