Annuity Care
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My Leverage Conversation
I had a conversation a short time ago with an advisor asked him to prove to me his allocation strategy was solid enough to meet my two basic retirement objectives – income in retirement I will not outlive as well as leave some money for my children and grandchildren. It all went really well until… Continue reading
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Leverage or Self-Funding
Here is a little nugget that is often overshadowed with false optimism. It comes in a few different forms but ultimately boils down to people thinking that it will not happen to them. Regardless of the reason – people believe that they are exempt from a long-term care situation. Worse yet is the cluster of… Continue reading
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Planning for Tomorrow – LTC Outlook
Recently, Jeff Levin from OneAmerica Financial hosted a webinar focused on the LTC market outlook. Joining him were Amy Chinn and Jaime Meuller. The discussion highlighted 3 areas of significance; those were: Simply – the world of LTC is evolving and we need to as well. Here is the full recording of the webinar (45… Continue reading
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The Fed says …
Last week, I shared my opinion that we need to stop battling over which product design is best along with which claims payment methodology is superior. You know the stuff that we battle over inside the product ring. I also stated that we need to put our focus on planning. I’ve put some thought into… Continue reading
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A Planning Problem
Quoting Bill Comfort, “A POLICY IS NOT A PLAN!” A policy is a means for funding a future obligation. That is the purpose for an insurance policy is to help people mitigate financial loss as a result of a certain event occurring. It is a risk management tool. That is all – it is a… Continue reading
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The Burr Under My Saddle
There are fundamentally two ways for clients to receive benefits from a long term care insurance policy – as cash (indemnity) or via reimbursement. Which is better? Well, that depends upon which company you are listening to. Carriers who only offer cash tout it as the ultimate in control and flexibility. “You don’t need to… Continue reading
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Annuity Care and an IRA
A question that I often get asked is whether you can fund Annuity Care I or Indexed Annuity Care with qualified money. The answer is yes but … You need to pay attention to this because it is a big ole but. When qualified money goes into Annuity Care I or Indexed Annuity Care, it… Continue reading
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Sort Thru the Noise
In the January 2025 episode of Coffee Break, I shared information on how to locate more information about who OneAmerica Financial is … just go to oneamerica.com/about-us and you will get access to a boatload of information about the companies of OneAmerica Financial. There is a bunch of noise in the asset-based / linked-benefit LTC… Continue reading
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Your LTC Plan
A few years ago, I shared a similar observation. I did a Google search on “why should I buy LTC insurance”. Once I got past all of the company ads for LTC, I came across a bunch of opinion pieces that were generally “pro-LTC” planning and using insurance as a funding vehicle, One of the… Continue reading
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Thanksgiving Thought
I want to thank you for the opportunity to share my ideas and insights with you. Whether or not you wrote business with OneAmerica Financial this past year, I hope that I was able to help you help your family, friends, neighbors, and clients. I’ve shared the importance of planning and some consumer facing tools… Continue reading
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Million Dollar Annuity Update
For a little over 2 years, I’ve talked about biggest secret in long-term care funding – using nonqualified deferred annuity proceeds as a strategy. I first shared with you the Million Dollar Annuity idea focusing on Indexed Annuity Care. In fact, I’ve even dedicated a specific page in Fridays with Fisher for it and have… Continue reading
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Lifetime Matters
making sure that you have a plan for a long duration care situation is important! Continue reading
Fridays with Fisher 
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