Insurety Retirement & Financial Planning

Insurety Retirement & Financial Planning’s
main philosophy is one of conservatism, innovation, and safety for our clients.

I have had extensive experience in the financial industry for all of my 34 year career. From accounting, to Chief Financial Officer, to Independent Financial Services Advisor for the last 18 years, I say, “I enjoy being an independent Advisor because it provides me with the opportunity to always do what’s in the best interest of the client, through offering conflict-free advice.” I pride myself o

02/17/2022
Week In Perspective: S&P 500 sets new highs but ends week lower despite dovish FOMC statement [19-Mar-21] 03/22/2021

Weekly perspective provided by Briefing.com. Briefing.com offers live market analysis on their website www.Briefing.com

Week In Perspective: S&P 500 sets new highs but ends week lower despite dovish FOMC statement [19-Mar-21] Updated: 19-Mar-21 A weekly recap of market activity and events, featuring commentary, analysis written with individual investors in mind. Week i...

Social Security: 3 Strategies That Can Protect Your Retirement if Benefits Are Cut | The Motley Fool 09/03/2020

Good Read!

Social Security: 3 Strategies That Can Protect Your Retirement if Benefits Are Cut | The Motley Fool Benefits could be cut in the relatively near future, so now is the time to act.

3 Reasons It's Smart to Claim Social Security at 62 Due to COVID-19 | The Motley Fool 06/22/2020

Interesting and very good information!

3 Reasons It's Smart to Claim Social Security at 62 Due to COVID-19 | The Motley Fool The coronavirus pandemic has changed the way we live, and it could also affect when you should claim Social Security benefits.

Retirement Planning Doesn’t Stop When You Retire 02/13/2020

True words!

Retirement Planning Doesn’t Stop When You Retire Much about retirement planning is about making smart money decisions to get you to the time when you’ll retire.

The New SECURE Act Will Make Roth Strategies Much More Appealing: Here Are Five Ways To Use A Roth 02/13/2020

Call me for assistance!

The New SECURE Act Will Make Roth Strategies Much More Appealing: Here Are Five Ways To Use A Roth The SECURE Act consists of 29 provisions covering a variety of enhancements to qualified plan rules, but perhaps even more importantly, SECURE's new regs will make Roth IRAs much more appealing. Here are 5 ways to use a Roth to maximize your retirement under SECURE.

The Unexpected Dangers Of Paying Off Student Loans With Your 401(k) Savings 02/13/2020

A must read!

The Unexpected Dangers Of Paying Off Student Loans With Your 401(k) Savings Will this personal Ponzi scheme push you into a bottomless money pit from which you’ll spend a lifetime trying in vain to escape? Or worse, will you be on the hook to bail out others who fall for this increasingly popular panacea?

Why You Need A Retirement Income Distribution Strategy 01/31/2020

Why You Need A Retirement Income Distribution Strategy Saving and growing assets before retirement is an important step in making sure you have a successful retirement, but just as importantly is having a retirement income distribution strategy -- a plan to create a lifetime of sustainable income in retirement.

How To Reduce Taxes In Retirement 01/31/2020

How To Reduce Taxes In Retirement Charitable accounts, where you park your retirement money and good timing all go into the mix of holding down the tax bite on your assets.

7 Reasons Social Security Is in Big Trouble | The Motley Fool 01/31/2020

Very interesting!

7 Reasons Social Security Is in Big Trouble | The Motley Fool Here are the real reasons America's most successful social program has a worrisome long-term outlook.

Should You Delay Retirement? Ask Yourself These 4 Questions to Find Out | The Motley Fool 01/31/2020

Should You Delay Retirement? Ask Yourself These 4 Questions to Find Out | The Motley Fool It sometimes pays to extend your career -- even if that's not your plan.

8 Realistic Ways to Supplement Your Retirement Income | The Motley Fool 01/31/2020

8 Realistic Ways to Supplement Your Retirement Income | The Motley Fool If life in your golden years is squeezing your budget, there are plenty of ways to generate some additional cash.

01/27/2020

Tune in and listen to my radio show Monday thru Friday, 2pm to 3pm. We'll be talking about Safe Money & Income Strategies.

6 Ways to Protect Your Retirement Savings 12/09/2019

Excellent Advice!

6 Ways to Protect Your Retirement Savings Look for ways to diversify to safeguard your future nest egg.

7 Common Mistakes to Avoid With Your Retirement Money 12/09/2019

Good read!

7 Common Mistakes to Avoid With Your Retirement Money These financial planning errors make it more difficult to retire well.

Baby Boomers Are Making Serious Financial Sacrifices to Be Caregivers, Data Shows | The Motley Fool 11/21/2019

Good read!

Baby Boomers Are Making Serious Financial Sacrifices to Be Caregivers, Data Shows | The Motley Fool Many people are effectively forced into caregiving situations -- and it's not easy.

10 Affordable Places to Rent an Apartment in Retirement 11/21/2019

This is hard to find these days!

10 Affordable Places to Rent an Apartment in Retirement Here’s where you can find an apartment for less than $800 per month.

How Will Your Social Security Benefits Be Taxed in Retirement? | The Motley Fool 11/07/2019

Important!!

How Will Your Social Security Benefits Be Taxed in Retirement? | The Motley Fool Depending on your income, you could face taxes on your benefits.

How to Maximize Social Security Through Spousal Benefits 11/07/2019

A must read!

How to Maximize Social Security Through Spousal Benefits Spouses born before 1954 can still take advantage of a strategy to boost Social Security retirement benefits.

Maxed Out Your 401(k)? Here's Where to Park Your Extra Retirement Cash | The Motley Fool 10/22/2019

Highly recommended read!

Maxed Out Your 401(k)? Here's Where to Park Your Extra Retirement Cash | The Motley Fool Contributing the annual maximum to a 401(k) is pretty impressive, but here's what to do if you're able to save even more than that.

How to enjoy a frugal retirement 10/09/2019

Good ideas!

How to enjoy a frugal retirement Here’s how one couple is retiring on a shoestring budget, with no savings or investments.

You’d save more for retirement if only you had this 10/09/2019

A little explanation goes a long way!

You’d save more for retirement if only you had this A little explanation goes a long way

Early retirement sounds amazing, but it can take a toll on your mental health 10/09/2019

Interesting!

Early retirement sounds amazing, but it can take a toll on your mental health The FIRE movement focuses on finances, but not so much on emotional well-being

How to Stop Divorce From Devastating Your Retirement Savings | The Motley Fool 10/08/2019

Hopefully not needed, but just in case, good information!

How to Stop Divorce From Devastating Your Retirement Savings | The Motley Fool Smart planning now can ease the burden of saving for retirement on your own.

How Upcoming Changes To Retirement Savings Laws Will Affect Your Financial Future 10/07/2019

Please stay informed!

How Upcoming Changes To Retirement Savings Laws Will Affect Your Financial Future There is a new bill being discussed in Congress called the SECURE Act. Whether in its current state or a newer version, this multi-faceted and bi-partisan plan is likely to pass in the near future. What are the likely terms of the SECURE Act and how might it affect your financial future?

Do I Pay Social Security Taxes on All of My Income? | The Motley Fool 10/07/2019

A must read!

Do I Pay Social Security Taxes on All of My Income? | The Motley Fool The quick answer: It depends on how much you earn.

4 Things You Must Do the Year Before You Retire | The Motley Fool 09/27/2019

Getting ready for retirement, a must read!

4 Things You Must Do the Year Before You Retire | The Motley Fool These could spell the difference between an easy retirement and a stressful one.

These Mistakes Could Shrink Your Social Security Benefits for Life | The Motley Fool 09/27/2019

Really good information!

These Mistakes Could Shrink Your Social Security Benefits for Life | The Motley Fool But if you're careful, you can avoid having that happen.

What's the Difference Between Original Medicare and Medicare Advantage Plans? | The Motley Fool 09/13/2019

Great information, can save you thousands of dollars!

What's the Difference Between Original Medicare and Medicare Advantage Plans? | The Motley Fool Understanding this crucial difference could save you thousands in medical costs.

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