Don't count on Medicare alone when traveling out of the U.S.A.

​Here is what say at "Travel Medicare usually doesn't cover health care while you're traveling outside the U.S. There are some exceptions, including some cases where Medicare Part B (Medical Insurance) may pay for services that you get on board a ship within the territorial waters adjoining the land areas of the U...

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2019 Official Medicare and You Handbook (120 pages)

Download your copy today.   Download PDF File Here

Are you aware how devastating on family and financial life a disability can be?

Read all-to-real life stories at  from the Council on Disability Awareness.  Vicki's story is below. Read them all.

"Final Expense" Life Insurance from Nationwide Life

​Nationwide YourLife Whole Life (WL) offers guaranteed life insurance protection plus cash value See complete information at:  Few things in life come with guarantees. But when you're talking about protecting your family, that's exactly what you want — to know they're covered, regardless of what happens to you.Nationwide ...

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Carlsbad September 10 Medicare Options Workshop Details and Agenda

Educational Seminar regarding your Medicare Options Medicare 101: Which combination of Medicare options is right for you? Speaker: David F. Smith, PhD, CFP® CA 0766763 Agenda: ☺The different ways to get Medicare☺Entitlement to and Enrollment in Original Medicare (Parts A & B)☺Medicare premiums (Parts A & B)☺Eligibility for Medicare Advantag...

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The "Do I need Life Insurance in Retirement" Debate

Here is an article by David Cordell and my response to his points.  The bottom line is only through professional risk transfer advice can this be an informed decision.    Download PDF File Here   Download PDF File Here

Non-profits Have Few Executive Benefit Options: here are some from Nationwide

​Key highlights (click on the title for the PDF) • Organizations subject to the 21% tax under Code section 4960 • Private inurement, private benefit and excess benefit Transactions • Remuneration for executives   Download PDF File Here

Buy-Sell Planning Resources for Business Owners

Your business may be your greatest asset. You may be planning on retiring on the proceeds of a sale - your hoped for liquidity event.  You should consider planning for what can happen before that happy day.  Here are some thought provoking ideas from our financial company partners. From Nationwide Financial: Buy/Sell agreements and life i...

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