Sunday, September 22, 2019
There are many different options that allow you to save for retirement from traditional pension plans to defined contribution plans such as a 401(k), IRA’s and so forth. However, if you are a high earning individual such as a...
Read More
Tuesday, September 3, 2019
Launching a new business is an exciting prospect, and it is easy to skip over crucial steps in the eagerness to get operations underway and to start making money. However, this eagerness can result in many new business owners skipping...
Read More
Monday, July 22, 2019
The Germans have a concept called “zeitgeist” or the spirit of the age. The philosophical concept behind this is that every era or generation has a set of animating ideas and beliefs that govern their view of the world and...
Read More
Wednesday, July 17, 2019
As a business owner one of the most important things you have to worry about is making sure there is enough revenue coming through the doors in order to pay for all your expenses, such as rent/mortgage, payroll, insurance, utilities,...
Read More
Wednesday, July 3, 2019
The answer to this question is “BOTH or NEITHER”. So what do I mean by this? Each has their own set of pros and cons. This article is designed to explain the differences, expose the “gotcha’s” and share...
Read More
Friday, June 28, 2019
It is always difficult to lose a loved one, but at least you don’t have to worry about paying taxes on death benefits in most circumstances. Although it doesn’t happen, a lot, who owns your policy could have a tremendous...
Read More
Monday, June 17, 2019
Our clients ask us this very question, not knowing if there is a real solution for them. They have thought that if they want to reward one or two employees, they would have to include all employees. In fact, the opposite is true. This...
Read More
Wednesday, June 12, 2019
All businesses have one common feature. They are run by people, as in structural objects, people are open to many elements that can affect their daily routines. Part of those daily routines includes running their business. What if...
Read More
Wednesday, May 15, 2019
When you first purchase a term contract from the insurance carrier, one of the last thoughts that most of our clients have is, “What happens if I get to the end of the term period?” Many times we get calls asking if they...
Read More
Wednesday, May 8, 2019
We get this question a lot right after we ask this, “You mentioned needing $500,000 worth of insurance; how did you come up with that figure?” After an awkward but brief pause, they ask “So how much life insurance do...
Read More
Wednesday, May 1, 2019
My last blog was about how to deal with premium increases on your Long-Term Care(LTC) contract. What if it happens again? Whether you accepted the rate increase or adjusted the coverage, you may have to deal with this again. After the...
Read More
Saturday, April 13, 2019
This has never been an easy discussion with our clients but one that needs to be addressed sooner than later. When you purchased the coverage, you thought you would not have to deal with this until either you or your spouse needed care...
Read More
Monday, April 1, 2019
Whether you received a letter from your insurance carrier telling you can convert or you received a call from an insurance agent stating that you have the ability to convert, most of our clients really do not understand what it means...
Read More
Wednesday, March 27, 2019
This question is one that we get a lot over the last couple of years. At IFG, we do not sell group life insurance. Our firm is an independent operation that has over 40 carriers to shop rates with. With this article, I will provide an...
Read More