Tag: Risk Management

The Potential Role of Annuities in Your Financial Plan

Annuities can sometimes be beneficial financial products, in the right circumstances. With a clear understanding of what annuities are and how they work, you can better determine whether or not an annuity could help you meet some of your financial goals. An annuity is a type of insurance contract into which you invest money today […]

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Umbrella Insurance: Liability Coverage for Worst-Case Financial Scenarios

One mistake that many affluent individuals and families make is not planning for a worst-case financial scenario. For example, what would happen if you or someone in your family were held legally liable for an accident you were involved in? In today’s litigious society, legal judgments of $1 million or more are not uncommon. This […]

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Should You Purchase Long-term Care Insurance?

Should You Purchase Long-term Care Insurance? Like many affluent Americans, you probably contribute regularly to one or more retirement savings accounts in order to build a nest egg for a financially secure retirement. But there’s at least one thing that could derail your carefully constructed retirement plans: an inability to care for yourself later in […]

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How to Get Creative With Life Insurance

When they hear the term “life insurance,” people usually think of an insurance policy that will provide financial protection for their family when they die. But life insurance can also be used in creative ways to accomplish other financial goals beyond just providing your loved ones with a death benefit. When used strategically, life insurance […]

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What Is Asset Allocation — and Why Is It Important?

There’s an old saying that you shouldn’t “put all of your eggs in one basket.” This saying might not have originally been about investing, but it’s the perfect way to describe the importance of asset allocation to your investing strategy. Asset allocation is a fancy-sounding term that refers to a relatively simple concept: spreading your […]

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