Tag: Kevin Fisher

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 →

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 →

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 →

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 →

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 →

Cost of informal care

As you can tell, I have focused much of my Fridays with Fisher discussions on informal caregiving.  This is inspired by the changes to Asset Care where informal care is covered benefit with a zero day elimination period!  To learn more about the informal care benefit with Asset Care 2024, contact my internal sales partner... Continue Reading →

Informal Care – Caregiver Training?

Last week, I talked about informal care, the OneAmerica Financial 2024 Caregiver Study, how it might work in my case, and how Asset Care 2024 provides funding for informal care. If you will recall, 63% of informal care is provided by a family member and 27% comes from their spouse. These stats and more can... Continue Reading →

A little about informal care

Last week, I talked about a variety of types of care that are available when an extended care / long-term care situation arises.  Remember, there are two types of care – formal and informal. As a reminder, informal care is the most prevalent care provided and it generally comes from an untrained individual like a... Continue Reading →

Levels of Care

Last week, I shared with you a bit about Asset Care 2024 and how it offers more than simply money to pay for care. I shared the care benefit concierge (claims concierge), coordination of benefits provision, and caregiver consultant for those who elect informal care. One thing that I neglected to include in the Fridays... Continue Reading →

Caregiver Support is More Than Money

With Asset Care 2024, OneAmerica Financial stepped up to the plate and increased the value of the policy by improving the delivery of care. (Please note, Asset Care 2024 is not available in every state – please contact your Care Solutions team with questions.) As you know, Asset Care 2024 offers a cash benefit option... Continue Reading →

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