Category Archives: Bersonal Posts

Get ready! The Medicare Annual Election period begins on October 15th. Every year from October 15 – December 7th people enrolled in Medicare Advantage plans have the right to dis-enroll from their current plan and select a new Medicare Advantage plan. Or, … Continue reading →

You’re probably familiar with the concept of estate equalization. It comes up most often with business owners who have some children who want to run the business and some children who don’t. Estate equalization uses life insurance to provide for … Continue reading →

Indexed vs. Variable Annuities FEES INDEXED Surrender fees for early withdrawals Income rider fee Total fees averaging .6% – .8% VARIABLE Surrender fees for early withdrawals Base contract fee Sub account fee Income rider fee Total fees averaging 3.25% – … Continue reading →

I received this email today from my Genworth Long Term Care rep. I thought it was a good idea to share this with you all as the turmoil in the LTC world continues to confuse and confound us all. Dear … Continue reading →

Life insurance can help you make certain that the goals you hoped to accomplish for your family or others happens whether you’re alive or not. In order to leave your funds to a specific person, you name them as a … Continue reading →

Thanks for everything Melissa!

Often times when we are talking to clients about the idea of a safe guaranteed return in their minds they are comparing this idea to the returns of the market. And when compared the broker uses the typical “the market has … Continue reading →

August 30, 2013 Tara Schulstad Sciscoe, Melissa Proffitt Reese, Christopher Sears, Mary Beth Braitman, John Zollo On Aug. 29, 2013, the Internal Revenue Service (IRS) issued Revenue Ruling 2013-17, which provides significant guidance on how the IRS will treat same-sex … Continue reading →

The times they are a changing. So wrote Bob Dylan back in the 60’s in his iconic song but the words are as relevant today as they were then. Change today means the internet. And the changes happen fast. Social … Continue reading →

Those of you who have been to my office know that I have a poster of Martin Luther King Jr. standing in front of the crowd in Washington DC on August 28, 1963. The full text of his “I Have … Continue reading →