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As financial advisors we understand that the topic of insurance is not the most exciting or glamorous. When we discuss insurance with our clients, we do everything in our power to keep their eyes from glazing over in boredom. Today we will discuss one the most plain vanilla policies, but arguably one of the most important, the umbrella policy. Stay with us because getting umbrella coverage could be one the best financial decisions you ever make.

While retirement is a chance to begin a new chapter, that does not mean it comes without financial risks. One of the most troubling is the potential for needing long-term care. According to longtermcare.gov an individual turning age 65 has almost a 70% chance of needing some form of long-term care service at some point in their life. With the costs of healthcare continually on the rise, what have you done to prepare to ensure you and your family are taken care of?

In today's digital age, almost anything you could ever want to know can be found online. Have a leaky faucet? Watch a YouTube video on how to fix it. Want to find high-interest fee-free savings accounts? Just Google it. Have the urge to learn how to code? Enroll in a free course online. With the wealth of information found on the internet this begs the question, do I really need a financial advisor?

We all see the startling headlines about how much healthcare costs and that it is continually going up. Fidelity recently came out with a study that estimates that a 65 year-old couple who retired in 2018 can expect to spend around $280,000 for health related expenses in retirement! This leaves many pre-retirees wondering, how am I ever going to afford that along with all my other expenses?

Where does the time go? Another year came, and another year went. Did you stick to all your New Year's resolutions in 2018? If you didn't, you're not alone. But don't get discouraged, you get another chance to stick to your goals in 2019. That's why we created a list of 5 bite sized resolutions that anyone can stick to.

If you thought that homeowners insurance covered flood damage you're not alone. It's a common misconception, but it's not something you want to find out when disaster strikes. We'll take a look at the basics of flood insurance and why you should consider getting your home covered.