What Is Your Plan For Long Term Care?

Unfortunately, many of us have had experience with a loved one or family member needing Long Term Care services at some point in their life.  Whether it was due to old age, cognitive impairment like Alzheimer’s or dementia, or an injury, a greater portion of our aging population is needing assistance with their normal everyday…

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You Filed Your Taxes…Now What?

Ahhh, it’s April.  Your tax return has been filed and you’re done for another year.  Or are you?  Did you have the results that you hoped for?  Could you have done something differently to get a different result?  Yes, you could have!  I am referring to tax planning.  What you just finished was your annual…

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Mastering Your Money

What does it mean to “Master Your Money?”  Having mastery over your money means knowing where each dollar is being spent, and having the right dollars fund the right goals, all while spending less than that you make each month. Sounds easy, right?  Unfortunately, mastering your money is far from easy.  If it were easy…

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Should You Plan For Needing Long Term Care

If you’ve ever had a loved one spend time in a nursing home then you know just how challenging this can be physically, emotionally, and financially for the entire family. So, the question stands: should you plan financially for the chance that you will need long term care services, like home healthcare, assisted living, or…

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Make 2017 Your Best Year Ever

A friend once asked me the question: what makes people successful?  My answer was “success”, but he wasn’t too amused by my joke. The answer is their habits.  You are what you repeatedly do. If you agree with that statement, as I do, then it begs the question: are there habits you need to start,…

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The Obstacle Course of Inherited Retirement Plans

Every year in the United States approximately 2 million people over the age of 45 die.  A Gallup poll in April of 2016 determined that 52% of the America population currently invests in the stock market.  If we assume that those who are dying each year are in line with the percentage of the general…

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Year End Checklist For Your Finances

This morning I woke up before my alarm went off.  I’m not sure if this ever happens to you, or if you find it as painful as I do, but for me it usually is a sign that I’ve got too much on my mind.  Once I jumped (stumbled) out of bed, I grabbed a…

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Successful Budgeting’s Secret Sauce

Recently I was talking to my kids about signing up for another round of hockey lessons through the IYHL here in South Bend.  With my daughter age 6 and my son 4 I know we’re getting an early start, but they both have been through lessons before and really enjoy playing. Which is why I…

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Water Damage: Uncovering What’s Covered

This past summer many people throughout the Michiana area were impacted by the massive amounts of rainfall we received.  Due to this unprecedented weather, we found that even people who have never experienced water problems in their home before were now facing this problem for the first time.  Our insurance team received numerous calls from…

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Red Friday

Many of us know Black Friday as one of the busiest shopping days of the year, due to the steep discounts and corresponding crowds of shoppers.  What most people don’t know is why it’s called Black Friday.  Black Friday gets its name because it is finally the day that retailers swing from having a loss…

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