Year: 2019

Adjust Your Thinking About Retirement!

My partner, Stewart Welch, wrote an article recently about how retirement can be hazardous to your health, and how people should develop what he calls a “4th Quarter Plan.”  For most, developing this plan can be difficult as it is hard even to know where to begin.  My team deals with hundreds of client families […]

My Long-Term Care Premiums just increased 60% …what should I do?

Policyholders are getting notifications from Genworth and other Long-Term Care providers that their insurance premiums will be increasing by as much as 60%.  These are not new policies; these are policies that have been in force for more than a decade.  The question is often, “What am I to do?” First, let’s understand what got […]

Mortgage Rates Plunge…Opportunity?

As fears of a recession grow due primarily to trade-war concerns, home mortgage rates have followed the 10-year treasury rates down…to their lowest levels in three years.  Here’s a quick review of current rates (source: Freddie Mac 9/5/19): 30-year conventional mortgage: 3.49% 15-year conventional mortgage: 3.00% What’s even more surprising is that non-conventional ‘jumbo’ mortgage […]

Choose Your College Major Wisely

As students head back to college, many will be choosing their major.  When I attended college decades ago, I gave very little thought to my major course of study.  In fact, I was more guided by which was the easiest path to victory (a college diploma)!  For me, that ended up being a marketing major […]

Retirement May Be Hazardous to Your Health

I was with a retired physician friend not long ago and inquired, “How’s retirement life going?”  His response was, “Stewart, never quit a high-paying job you love!”  he was bored and having trouble filling the void left by a forty-plus year fulfilling career. For the past thirty-plus years, I’ve worked with hundreds of people helping […]