In celebration of the holidays we will be closed from noon Friday, December 23rd through Monday, December 26th and then from noon Friday, December 30th through Monday, January 2nd.
In celebration of Thanksgiving this week, our office will be closed 11/24-25. We'll be open and ready for business Monday morning. Enjoy a blessed Thanksgiving!
November marks Long-Term Care Awareness Month. If you don't have some sort of plan in place, take time to review this month for a sound financial plan.
Jeremy Decker with our sister company Educators Lifetime Solutions can provide coaching and expertise in this area, answering any questions and providing quotes for the type of policy that best suits your unique situation.
Contact Jeremy today at email@example.com.
Medicare open enrollment began 10/15 and runs through 12/7. Visit medicare.gov today to learn more, or contact our trusted partner Tim Schatz with Minnesota Health Insurance Network at firstname.lastname@example.org.
Curious how affordable a term life insurance can be? Visit Quotes Done Right today, which offers a quick, easy, and entertaining approach to receiving an estimated quote. From there, we can schedule a time to connect to see if it makes sense for your goals and plans to get a policy. Do something today your future self will thank you for.
A quick guide that provides taxable income limits, capital gains and dividend rates, corp. tax income, social security rates, estate and gift tax rates, contribution limits, and more. An excellent reference guide for throughout the year.
*EFS Advisors is not affiliated with Diversified Brokerage Services, Inc.
2016 has started out with some volatility and a drop in the stock market. While no one likes to see the value of their account decline, it certainly is the nature of investing, to accept the ups and downs that are an inherent part of a long-term investment plan. Themes that have surfaced from conversations:
1) Ups and downs are part of investing, and controlling emotions is paramount to making good financial decisions. The two most harmful emotions are fear and greed.
2) Stock market downturns are essential to help reset expectations and create attractive prices. Those attractive prices create the next move-up for the stock market.
3) Falling oil prices helps approximately 85% of our economy and should be viewed as a net positive.
As always, what happens to the stock market in a month or a year should not have a material impact on a long-term investment plan. I have been rebalancing portfolios to address the market changes, but please contact me if you'd like to talk about these recent events.
I'd also like to announce that I was a recipient of two recent awards:
As I expected would happen at some point, we’re experiencing some challenging market conditions. Please know I’m diligently monitoring the situation, and for now, it’s important to stay the course. Feel free to contact me if you would like to discuss further.
Happy Holidays! We hope you enjoyed a wonderful Christmas celebration, and wish you a very happy and safe New Year!
In celebration of Thanksgiving, our office will be closed 11/25-26. We'll be open and ready for business Monday morning. Enjoy a blessed Thanksgiving!
November marks Long-Term Care Awareness Month. Whether you are interested for yourself or a parent, we have the resources to help you determine the best solution. Contact me today for more information, or visit our sister companies page to learn more – Educators Lifetime Solutions.
As we see some volatility in the markets, just remember, we've had a great and unusually long 7 year bull market, so this change is normal and expected. Wall Street Journal shares a quick video on how to keep calm during these periods:
Employer life insurance policies typically don’t come close to providing the amount of coverage required to comfortably protect your family at a time when it’s needed most. The LIMRA and LIFE Foundation 2013 Insurance Baromoter Study found that 86% of people have not purchased life insurance because it’s too expensive, yet they’ve overestimated the true cost of life insurance by over 2 times. Don’t let your assumptions prevent you from exploring the options available, to protect the ones you love. Quotes Done Right offers an entertaining and simple to use process, to get an estimate for a term life insurance policy, the most cost effective product on the market. We step in and help you, only when the time is right for you and you request it.
Still not convinced in exploring this invaluable part of your financial plan? Watch this family’s powerful story, Protection is Paramount, and witness the impact of having coverage in place.
Life happens – and you can prepare for it!
Long-term care insurance is complex, and can be overwhelming once you have a policy to determine if you [or a loved one] qualify for benefits, whom you should contact for next steps, best place to receive care . . . and the list of questions go on. You no longer have to worry about these types of concerns.
EFS Advisors and Educators Lifetime Solutions [our sister company offering long-term care and life insurance products] have partnered with Lifesprk to bring you a free service where you can connect with a Life Care Manager to help navigate you and your family through the web of long-term care. You’ll get expert guidance and fast answers.
Additionally, Lifesprk's proactive whole-person approach helps you recuperate more quickly, reduce the chances of multiple hospitalizations, and spark your life throughout the entire process. That makes your long-term care benefit dollars go further, and most importantly, keeps you independent and in control. Visit Lifesprk today to learn