Search
-
Social Security Reset May Go Away
(General/Articles)
... in your lifetime and only within 12 months of when you first started. This 12-month limit would prevent most people from resetting their benefits, especially with the hindsight of a weak stock market like ...
-
What is Your Long-Term Care Plan?
(General/Articles)
... working. Thus, sit down with your family and have a health care discussion that fits your personal lifestyle. Issues every family needs to address include Medicare supplements, long-term care insurance, ...
-
Dog Bites
(General/Articles)
For all of us who own or owned a dog, the following quote from Roger Caras rings true: "Dogs are not our whole life, but they make our lives whole." That sentiment is why dog ownership is at an all-time ...
-
Health Care Reform Provisions Affecting Older Adults
(General/Articles)
... the life of the Medicare Trust Fund which, without some intervention, is projected to be depleted in 2017. * H.R. 3590 contains several beneficial Medicare provisions. It will: Provide a 50 ...
-
Good Financial Plans Need Slush Funds
(General/Articles)
... to enjoy life in the present without worrying about how that spending affected her retirement. I have noticed that when markets are doing well, people are willing to spend more. And when markets are ...
-
Retirement Is About Living Longer
(General/Articles)
I am always struck by the number of people (my friends included) who talk about retirement as some "end of life" event that they are just waiting for. People with longevity will tell you they think very ...
-
Medicare - Here's the 411
(General/Articles)
... an employer or employee(s) if it pertains, and lastly, contact a certified insurance broker. Rebecca Deelstra is a Senior Consultant at Northern Capital Life & Health, spending most of her time helping ...
-
Identity Theft 101
(General/Articles)
... your life. Paranoia is not needed, but we need to start considering our risks from the point of view of the criminal. ...
-
Will You Still Get Goose Bumps When CDs Are Gone?
(General/Articles)
... thin and lifeless. Without a good digital to analog converter the music will sound thin and lifeless. Like many music lovers this author believes records will still give you the best sound. Can digital ...
-
What's Ahead?...Spring and Echo Boomers
(General/Articles)
... 2007 highs. An extended and expanded tax credit program is likely to stimulate strong activity this Spring, but how will the patient do after life support is removed mid-year? I offer a shorter and ...
-
Estate Planning Mistakes
(General/Articles)
... file for your 401(k) plan and life insurance. Also note, listing people (parents, siblings, friends) as a joint owner on accounts can lead to gift taxes and generally should be avoided. While reviewing ...
-
About
(General/About)
... life-long relationships with clients to act as a conduit between having resources and creating a lifestyle. We act independently to serve not corporate but clients' best interests. We accomplish ...
-
Our Process
(General/About)
... fit. This meeting is a chance for clients to understand better how we can add value to their financial life, uncover issues they might have been overlooking, understand the costs involved in our services, ...
-
How should I judge your performance?
(General/FAQ)
... of the next steps in your life, how much trust you put in us, and finally, the performance of your portfolio in relation to your goals. Our service should be judged on those elements which we can control; ...
-
How are you compensated?
(General/FAQ)
... Instead, we primarily offer products in term life insurance, disability insurance and long-term-care insurance. Outside of insurance services we do not take commissions. ...
-
Multiple Retirement Options
(General/Articles)
... later in life. By delaying social security from 62 to 65/66, benefits will increase slightly over 20% (approximately five to six percent per year). For every year after that through age 70, benefits increase ...
-
Why BGM Wealth
(General/About)
... We believe in understanding clients’ lifestyles and goals, addressing their initial concerns, and then developing comprehensive financial plans that will maintain and increase their wealth. We measure ...
-
Meet The Team
(General/About)
... most of her life in Minnesota and graduated from the University of Minnesota with a BS degree in Home Economics Education. After spending six years teaching in the Mounds View School District she decided ...
-
Buy Low, Sell High
(General/Articles)
... exposure. The fallacy of market timing is that your life or goals start and stop on any one day depending on your mood or that day's market. Just look at how you might have felt in February of this year, ...
-
Financial Planning
(General/Services)
... watch clients pay for education, travel, buy second homes, adopt children, retire and live a lifestyle that brings them joy. This is our reward. ...