Life and health insurance policy concept idea. Finance and insurance.

Healthcare Planning

jacobted blog, Financial Planning Leave a Comment

Maybe you get your health insurance through your employer. What happens when that option is no longer available to you or your family? You need a strategy to cover your health expenses for your entire life, not just your working life, or your current employer.

Happy family at home with life insurance

Life Insurance

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Your family depends on you. Life insurance is but one tool in your risk mitigation strategy. With so many choices, how do you know that you have the right amount and type of coverage? Let’s talk today – you don’t have to do this alone.

Closeup of life insurance form

Life Insurance: Changing Times, Changing Needs

jacobted blog, Financial Planning, Uncategorized Leave a Comment

If you already have life insurance, that’s great! But it’s safe to assume that you have experienced at least a few life changes since you purchased your policy. As life changes, so do your needs. This is why you should not let your policy run on autopilot. As your circumstances and needs change, periodic monitoring is needed to help ensure that your life insurance will achieve your desired objectives. Click here to read an article that discusses the importance of annual policy reviews. Click here to read the article.

Couple Looking At Domestic Finances At Home Together

What is the Meaning of Diversification?

jacobted blog, Financial Planning Leave a Comment

While the question is simple, the answer is not. Below I have listed several factors where diversification plays a role in reducing risk in an investment portfolio. Asset allocation Most people think of asset allocation when considering if their portfolio is properly diversified. We allocate our monies across the following three (3) asset classes: equities, fixed income, and cash. The decision to include an asset class is based upon their historical correlation with other asset classes. Correlation measures the strength of the relationship between two asset classes, where the value can range from +1 (perfectly correlated) to 0 (no relationship) …