by Laurel | Feb 24, 2020 | Health and Welness
According to a growing body of research, the answer to this question is “yes”! Optimism has now been linked with a variety of health benefits, including a lower risk of cardiovascular disease (the number one killer in the industrialized world) and other chronic...
by Laurel | Feb 10, 2020 | Asset Based Long Term Care, Long Term Care insurance, Medicaid, Traditional Long Term Care
When it comes to long-term care, two facts stand out. First, an estimated 70% of people will need such care, which will be costly. And second, most of them refuse to buy insurance to cover it. The question is, why? Part of the explanation, no doubt, is that...
by Laurel | Feb 10, 2020 | Client Spot Lights
Dave and Carolyn Jones Here is another prototypical couple right here in Asheville. Dave is a semi-retired pharmacist, who also is a very talented carpenter. While Carolyn is a magnificent and extraordinary talented artist. She has also offered to beat me in...
by Laurel | Jan 2, 2020 | Annuities, CD alternative, Insurance and Retirement Planning
Hot New Multi-Year Guarantee Annuities are a great CD alternative with a guaranteed interest rate of 2.9% for 2 years, or 3.85% for 5 years. I would like to point out that a 1-year CD is paying a mere 2.00% and a 3-year CD is paying is paying 2.55% (Source:...
by Laurel | Dec 17, 2019 | Health and Welness
Eat Hot Peppers… The Hotter, The Better!! The documented health benefits from hot peppers continues to grow at a break-neck speed, similar to the increasing popularity of consuming hot foods in various forms. The heat and health benefits comes from a chemical...
by Laurel | Dec 16, 2019 | Client Spot Lights
“We have never met anyone quite like Beau. He is the most empathetic and caring advisor we have ever worked with. He has become very near and dear to our hearts.”- Frankie Fralick I have worked with Frankie Fralick and John “Arthur” Nettles...
by Laurel | Dec 12, 2019 | Medicare Advantage Plans/Medicare Part C
Short Answer: Yes, you can still dis-enroll from your Medicare Advantage after the Annual Election Period (October is 15-December 7) but you still have to qualify for Medicare Supplement by answering health questions… so you might run a risk of not getting...
by Laurel | Dec 12, 2019 | Retirement, Retirement Planning
Most professionals would all be on the same page that it is rarely a good idea to take an early withdrawal from a traditional or Roth IRA. Mainly due to the substantial cost an early withdraw can cost (not to mention losing out on years of potential earnings). Early...
by Laurel | Dec 5, 2019 | Life Insurance
A collateral assignment of life insurance is a conditional assignment appointing a lender as the primary beneficiary of a death benefit to use as collateral for a loan. If the borrower is unable to pay, the lender can cash in the life insurance policy and recover what...
by Laurel | Dec 5, 2019 | Retirement Planning
Wealthy clients looking to use life insurance in their estate plans may find that funding their policies with a loan makes sense, especially as interest rates are still relatively low. The goal is to exploit low interest rates to get a cheap loan, which funds premium...
