For the last couple if weeks, I have been sharing the terminology leverage as it relates to a long term care funding strategy. Of course, this is unique to insurance solutions where pennies are leveraged into dollars. Have you considered that there is another form of leverage that can be applied to the long term... Continue Reading →
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 →
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 →
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: Flexibility Simplicity Technology Simply – the world of LTC is evolving and we need to as well. Here is the full recording of... Continue Reading →
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 →
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 →
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 →
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 →
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 →
More About Planning
When most people hear the word long-term care, where does their mind go?
Lifetime Matters
making sure that you have a plan for a long duration care situation is important!
INSTANT APPROVAL
Today, with a mind toward underwriting, I am sharing with you an INSTANT APPROVAL underwriting opportunity.
Fridays with Fisher 
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