Funding Sources
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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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Tale of the Tape 2
Last week, I compared Asset Care 2024 with another carrier for a single female. Today, it’s a couple. Continue reading
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Tale of the Tape
Every now and then, I decide to dip my toes in the water to see how things compare with our peers in the industry. And, every now and then it surprises me what I find. Continue reading
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Consider the Funding Source
In last week’s Fridays with Fisher, I spoke about “self-directing” money from a qualified account into Asset Care premiums. I also advocated establishing a “protection bucket” as a dedicated pool to provide your primary resources for paying for long-term care services. I want to jump back into the “self-directed” funding discussion again. I believe that… Continue reading
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Qualified Money Self-Directed Strategy
We have been talking a lot about using qualified money to fund Asset Care. That has obviously hit a chord given all the feedback that I’ve received. If you will recall, I have never said that the OneAmerica Financial strategy for funding a policy is the only way to do it. I have said that… 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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More About Qualified Money
About a year ago, I posted about funding an asset-based long-term care policy (Asset Care) using qualified money. Last week, I did the same. Essentially, it was the same information just updated to 2025 standards. Do you know what both posts have in common? The volume of feedback! One cluster was simply this – “tell… Continue reading
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Funding LTC – Qualified Money
Heads will start exploding with this declaration, but it is a fact. Qualified money can be used to fund long-term care. That money, however, will be taxed as ordinary income when it is distributed. Simply, there is no provision in the Internal Revenue Code that allows for tax-free distributions from a qualified retirement plan such… 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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