Balancing Medicare and Work-Based Insurance

Almost 20% of Americans 65 and older are still working — the highest level since before Medicare was established in 1965. This amounts to almost 9 million workers who are eligible for Medicare, and the number is expected to grow as about 8,000 baby boomers turn 65 every day until 2030.1–2 Some employers may require [...]

By |2020-12-10T23:17:12-07:00August 14th, 2017|Insurance|Comments Off on Balancing Medicare and Work-Based Insurance

Do You Need Disability Insurance?

More than seven out of 10 working Americans believe that most people need disability insurance, yet only one out of three actually has disability insurance protection.1 This disconnect suggests the importance of assessing your own situation and determining whether you have appropriate financial backup in the event that you cannot work due to a disability [...]

By |2020-12-15T22:36:10-07:00August 14th, 2017|Insurance|Comments Off on Do You Need Disability Insurance?

Offering Life Insurance as an Employee Benefit

Employee turnover has become a problem for many small businesses, primarily because it is often difficult and expensive to replace experienced workers who decide to leave. In fact, 57% of companies report that employee retention is now a top concern.1 Making life insurance part of your employee benefit program could be a cost-effective way to [...]

By |2020-12-17T01:19:30-07:00August 14th, 2017|Insurance|Comments Off on Offering Life Insurance as an Employee Benefit

Do You Have Enough Life Insurance?

A 2016 survey found that two out of five U.S. households have no life insurance protection. And many households who do have insurance think they need a higher level of coverage.1 The most common reason survey respondents gave for not purchasing life insurance was that it was too expensive, yet consumers tend to overestimate the [...]

By |2020-12-17T01:24:13-07:00August 14th, 2017|Insurance|Comments Off on Do You Have Enough Life Insurance?

Demographic Dilemma

It's no secret that the demographic profile of the United States is growing older at a rapid pace. While the U.S. population is projected to grow just 8% between 2015 and 2025, the number of older Americans ages 70 to 84 will skyrocket 50%.1 With roughly 75 million members, baby boomers (born between 1946 and [...]

By |2020-12-15T00:06:01-07:00August 3rd, 2017|Financial|Comments Off on Demographic Dilemma

ETFs or Mutual Funds: What’s the Difference?

Mutual funds are still king of the investment world, but exchange-traded funds (ETFs) have become increasingly popular over the last few years. At the end of 2016, more than $2.5 trillion in assets were invested among over 1,700 ETFs. This is equivalent to about 15% of the assets invested in mutual funds. In 2006, ETF [...]

By |2020-12-15T22:14:02-07:00August 3rd, 2017|Financial|Comments Off on ETFs or Mutual Funds: What’s the Difference?

Deficit Trading: The Import/Export Imbalance

The U.S. trade deficit is a consistent and often controversial topic in Washington and the business community. As the new administration presents policies that might affect trade relationships, this may be a good time to consider some of the facts regarding U.S. imports and exports. Goods and Services Total international trade in goods and services [...]

By |2020-12-17T01:36:49-07:00August 3rd, 2017|Financial|Comments Off on Deficit Trading: The Import/Export Imbalance

Low Volatility: Calm Before the Storm?

The U.S. stock market has been unusually calm in 2017, while gradually trending upward. Through July 28, 2017, the S&P 500 gained or lost 1% or more on just four trading days. By contrast, over the same period in 2016, there were 39 such days, with gains or losses of 2% or more on seven [...]

By |2020-12-10T23:03:08-07:00August 1st, 2017|Financial, Uncategorized|Comments Off on Low Volatility: Calm Before the Storm?
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