economy, life insurance, new economy, protection

Job Change, Group Life Insurance and Russian Roulette

In the United States, there is a huge number of households which are unprotected or under protected by Life Insurance. In a recent LIMRA study 7 in 10 households believe would be in serious financial distress if an adult in the household passed away. 37 million households have no life insurance. Another 33 million households… Continue reading Job Change, Group Life Insurance and Russian Roulette

economy, new economy, retirement

Investing with Stocks at Record Levels

I have talked to many clients. I have read and listened to many economists and Chief Investment Officers who are nervous about investing hard earned savings when markets and indexes are making new highs. Many people feel the market is “due for a correction”; they worry about a “bubble bursting like 2008”; they look at… Continue reading Investing with Stocks at Record Levels

Climate change, economy, retirement

Rising Seas and the Risk to Retirees

  Florida has always been considered a favorite retirement destination. The warmer climate attracting older American’s who have health issues ranging from Asthma to Arthritis, from Heart Disease to Parkinson’s. 20% of Florida’s population is over age 65 (compared to only 15% in New Jersey).   An additional challenge facing retirees in both Florida and… Continue reading Rising Seas and the Risk to Retirees

economy, retirement

Trick or Treat? The Potential Downside of Tax Reform for Investors

      There is an old story that goes “beware what you wish for…” Things don’t always turn out as expected.   Along those lines I watched a fascinating interview of Tom Lee, head of research at Fundstrat, on Bloomberg this morning.   His feeling is that a Tax cut, as it is currently… Continue reading Trick or Treat? The Potential Downside of Tax Reform for Investors

disability, economy, life insurance, protection

Deaths of Despair

  In March of 2017 a landmark study was released connecting financial security and death rates in the United States. The information is sobering and should be the focus of policy changes at all levels of government.   A recent study by Princeton Professors Anne Case and Angus Deaton titled, “Mortality and morbidity in the… Continue reading Deaths of Despair

disability, economy, life insurance, protection

A few life lessons…

In the past few months I have seen several friends pass away… I have seen several people in my circle struggle with illness, addiction and disability… All are under the age of 50. None of them planned on what happened to them.   None of them planned on the impact it would have on those… Continue reading A few life lessons…

economy, new economy, retirement

“Morning in America…”

I was driving into work today and a Chevy Volt sped by me. Yesterday a Fisker Karma was parked in front of my office. Last month Tesla started mass production of the Model3. Technology is bringing a renaissance to American manufacturing. New industries and new job descriptions are being created, even as “old economy” jobs… Continue reading “Morning in America…”