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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.

Do you need a CPA? Luckily our very own Jennifer Climo, who is a CPA herself, wrote an article for Exhale Lifestyle addressing this very topic.

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.

Your parents took care of you growing up, and now as they grow older, the tables have turned. There can be changes to both your finances and lifestyle, which is why it's important to be prepared.