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 →
Plan & Tell
In the long-term care insurance segment, there has been a bunch of noise (might I say criticism) about how one will receive payment for care (either a cash benefit or as a reimbursement benefit). Let’s be serious about this … when you need a source of money for care, does it really matter if it... Continue Reading →
OneAmerica Sponsors PBS’s Caregiving
OneAmerica Financial believes that at the heart of insurance distribution lies a powerful truth: every policy delivered, every financial strategy crafted, and every family protected reflects a deep commitment to caregiving — not only in the traditional sense, but in how you care for your clients’ futures. That commitment is why OneAmerica is proud to... Continue Reading →
Asset Care – Informal Care Discussion
In last week’s Fridays with Fisher, I discussed one of the conversations that occurred during the Asset Care 2024 rollout meetings in New Jersey. The discussion related to inflation and including it for an older client (closer to 70). Today, I want to share another conversation from the meetings. Before I get to that, I... Continue Reading →
Asset Care & Inflation
Last week while I was in New Jersey sharing the Asset Care 2024 story, I shared an opinion about inflation versus no inflation for an older age applicant. I said, “typically, I do not recommend adding inflation for someone age 70 or older because at a 3% compound rate, it will take XX years to... Continue Reading →
Thoughts From Vegas
Last weekend, I took a little trip to Las Vegas to see Kenny Chesney perform at The Sphere. If you have the chance to see any show at The Sphere – DO IT!!!!! It is amazing. Anyway, I had some time to reflect between the time I landed and the show. And, since I could... Continue Reading →
Reflections on Asset Care
This past week, I did the first Asset Care launch meeting in New Jersey for the updated product. This leaves Connecticut as the only state in the northeast awaiting the revised product. (Reminder, OneAmerica Financial does not offer products in New York state.) Here are a few observations from the meetings. The “big win” was... 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 →
Plan Like Dad
My parents are 20 years older than me. We all have big birthdays coming this year – in June, mom will hit the big 80 followed by dad in September. I’ll be 60 a few days later. My “baby” brother is only 18 months behind me. Why do I share this? That’s my family. When... Continue Reading →
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 →
Fridays with Fisher 
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