Resources
Whether you’re a widow, a business owner, or a professional afraid to face retirement, I have various resources here to get your started.
If you’re ready to go deeper, schedule a call with me on my calendar.
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Diversifying with Market Caps
The U.S. stock market struggled in 2022, with the S&P 500 index ending the year down 19.4%.1 The S&P 500, which includes stocks of large U.S. companies, is generally considered representative of the U.S. stock market as a whole, and it is a good benchmark for...
Rescuing America’s Safety Net
A March 2023 survey found that more than 90% of Americans worry about the Social Security program, and about half of those said they worry a great deal.1 A separate survey the same month found that more than 80% of Americans worry Medicare will not be able to provide...
Cheaper Hearing Aids Are Coming to a Store Near You
More than 37 million U.S. adults are living with some hearing loss, but only about one-fourth of those who might benefit from a hearing aid have used one.1 One big obstacle is cost: The average price of a pair of prescription hearing aids runs about $4,600....
Most Grocery Shoppers Aren’t Fooled by Shrinkflation
Have you noticed that packages are smaller at the grocery store? If so, you’re not alone. A survey of consumers taken in 2022 found that a majority of U.S. adults have noticed shrinkflation — products shrinking in size while prices stay the same or increase. This is a...
Does the Social Security COLA Help If You’re Not Receiving Benefits?
The Social Security cost-of-living adjustment (COLA) for 2023 was 8.7%, the largest benefit increase since 1981. Obviously, the COLA helps current beneficiaries, but you may wonder whether it will make a difference if you’re not yet receiving retirement benefits. The...
A Mortgage Recast Is an Alternative to Refinancing
If you would like to reduce your monthly mortgage payment without having to refinance, then you may want to explore a mortgage recast. When you recast your mortgage, you put money toward the principal balance of your current home loan. Your mortgage lender then...
What Is Disability Income Insurance for Business Owners?
One of your greatest assets is the ability to earn an income. If you were to lose that ability due to a disabling accident or illness, how would you pay your bills, send your kids to college, and save for retirement? A disability can create substantial economic...
What Is Last-Survivor Life Insurance?
Last-survivor or second-to-die life insurance covers two lives under one policy. The death benefit is paid after the second person covered under the policy dies. Generally, premiums continue to be paid after the first insured dies. However, this type of policy may...
What Is Split-Dollar Life Insurance?
Life insurance can be an important part of a business owner’s financial strategy. It can also be a great benefit to offer to key employees. However, sometimes the cost can be prohibitive. With split-dollar life insurance, the cost of life insurance can be managed by...
What Is Life Insurance for Business Owners?
If you own your own business, chances are you’ve at least thought about the conditions under which you will leave the business and who is going to take over after you're gone. Business continuation is difficult enough under normal circumstances, but if it takes place...
Do I Need a Business Owner Policy?
Your business may be running smoothly. You could be making money hand over fist. But don’t be lulled into thinking that a catastrophe could never hit your business. Disasters can strike in many ways; even a minor one could wipe out a lifetime of hard work....
What Is Property and Casualty Insurance?
Property and casualty insurance is specifically designed to help protect your possessions from theft or destruction and your assets from being depleted through disaster or litigation claims brought against you. The property side of a policy insures physical items,...
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Mon–Fri 9:00AM – 5:00PM
Talk to Carolyn
Schedule a call or Call at 919-729 6545
Talk to Carolyn
Schedule a call or Call at 919-729 6545