Employee health insurance

February 2018: A possible wake-up call for financial planning.

One of the greatest concerns the general public has is how to fund for all of the costs associated with health care in retirement. The proverbial elephant in the room is the simple fact that this one expense is either not being addressed at all, or, at best, the probability of it being properly planned […]

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The forgotten 3rd Guarantee in life to death & taxes – health costs

Throughout history it is has been said that there are only two axioms permanent in life: death and taxes. But, thanks regulations from the federal government, there is a third, which just happens to be healthcare costs.

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I saw this on NBC News last night…a Fair warning about Medicare

There is a video making the rounds through an email with the subject header being titled “Fair Warning… I saw this on NBC News last night”.

This email and the video is quickly becoming somewhat of instant phenomenon within the financial planning industry as it touches on how hospitals use the terms “Under Observation” and “In-Patient” and the impact that it may have on finances.

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Rising interest rates and your state & local governments

Interest Rates have been at historic lows since the start of the recession and now there are rumblings from those on Wall St and other financial gurus that they will start to creep up.  But, has anyone thought about the ramifications of an increase in rates on governments at the state & local levels? As […]

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What you don’t know about Obamacare will hurt you… The Cadillac Tax

Pages 729 through 736 lay the breathe taking groundwork of a new tax, the Cadillac Tax, that will impact not only you, but also your employer (this includes any of those defined as self employed too!). This new tax, the Cadillac Tax, which is detailed on page 729 of the Affordable Care Act is a […]

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Obamacare will be great for the economy, but unfortunately it may not be for you

A few of the stated goals that have been mentioned about the Affordable Care Act are that it, the ACA,  will lead to an increase in job growth, will jump start the economy, will bring back manufacturing to the United States and yes it will, even, pay down the deficit. Believe it?

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