Posts tagged LTC
Life Insurance For the Living

Pt 2: Chronic Illness

In the first article of this series we learned that Living Benefit Riders are additions to a life insurance policy that allow the policy owner to accelerate a portion of the Death Benefit during their lifetime in the event of a qualifying emergency.  Holistically designed life insurance plans coordinate Living Benefit Riders that provide access to tax-efficient emergency funds by “accelerating” some or all of the policy’s Death Benefit.  In this article we will continue to explore the ways in which Living Benefits are utilized and the real world application of these features.  For this conversation, though, the emphasis will be finding the most tax-efficient manner to provide for Long Term Care and discuss the different options commonly available to today’s federal employees.

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7 Biggest Risks - Fed Retiree

What You Need To Be Aware of Entering Retirement

As the largest segment of the population prepares for and enters retirement, there has been an increased emphasis on researching and analyzing the unique risks retirees face.

           

            When we separate from service we transition from wealth accumulation to wealth distribution.  Dr. Pfau, one of the industry’s leading researchers states, “traditional
wealth management approaches do not sufficiently address a retiree’s needs”.  Retirees face additional risks and as such there is a dramatic difference in the decision making of someone who is saving for the distant future and someone who is relying on their nest egg today. 

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