IRAs, Taxes and Estate Planning 2023
Article Sivea Key Article Sivea Key

IRAs, Taxes and Estate Planning 2023

One of the most commonly used retirement savings plans, after 401(k)s, are IRAs. Many folks will pass away with assets in their IRAs yet most of us don’t think of IRAs as a part of our legacy. Post updated with updated values for 2023.

Read More
Thinking About Retirement?
Megan Archer Megan Archer

Thinking About Retirement?

Being prepared for retirement, emotionally and financially, provides a solid foundation for whatever your dreams entail. We’re here to provide the resources and experience to guide you to a safer retirement. Download our retirement preparation booklet to learn more.

Read More
Sometimes Time Is On Your Side: Making Your Investment Work Twice as Hard For Your Family
Blog Sivea Key Blog Sivea Key

Sometimes Time Is On Your Side: Making Your Investment Work Twice as Hard For Your Family

Trying to balance work, children and anything resembling a personal life can sometimes feel impossible. Days rush by while dreams disappear into the future. Your budget feels stretched to the limit. How is it possible to keep the household expenses paid, pay for life insurance to protect the family in case you or your spouse pass away, put money away for the kids’ college costs, and still save for retirement? If this is happening to you and your children are high school age or younger, options may be here.

Read More
A Tale of Two Small Estates: Lessons Learned
Blog Sivea Key Blog Sivea Key

A Tale of Two Small Estates: Lessons Learned

Last year brought home to me the reality of aging. My husband and I experienced five deaths of people close to us which included responsibilities for three of the estates. My mother, Joan, and a close family friend, Russell (through his wife Mary) chose me to handle their estates as Personal Representative – a role I’d never held before. Since both estates were small and had been prepared by the same local estate attorney, the comparison of how they turned out was eye opening.

Read More
Inflation Shock? Here Are Some Tips For Improving Your Retirement Income
Blog Sy Blog Sy

Inflation Shock? Here Are Some Tips For Improving Your Retirement Income

During the current high inflation, many of us are rethinking our retirement plans and wondering if we’ll outlive our savings. If you’re still working and saving for retirement, it’s not too late to make some changes to account for higher inflation. If you find yourself in a bind with an unexpected expense or a view of the end of your retirement income, you may be able to recoup some funds.

Read More
How Can IRAs Affect Estate Planning?
Article Sivea Key Article Sivea Key

How Can IRAs Affect Estate Planning?

Estate planning is more than wills and powers of attorney. It’s having some control over what happens to your assets when you pass on. One of the most commonly used retirement savings plans, after 401(k)s, are IRAs. Many folks will pass away with assets in their IRAs yet most of us don’t think of IRAs as a part of our legacy.

Read More
Keep Track of These Documents In Case of Emergency
Blog Sivea Key Blog Sivea Key

Keep Track of These Documents In Case of Emergency

When an accident or illness turns your life upside down, knowing where to find critical documents can help ease the stress. The key is to locate and organize these documents ahead of time so you or your loved ones can easily find them.

While there are a number of documents important to have on hand in an emergency, in this case we are focusing on documents that will help pay for care, grant access to medical or financial information, help your loved ones understand your wishes or appoint someone to make medical or financial decisions.

Read More
Money To Grow On - Fund a Child’s Future
Blog Sivea Key Blog Sivea Key

Money To Grow On - Fund a Child’s Future

Wondering how to soften the worst financial blows to your child or grandchild while helping them build their future? All without sacrificing your retirement plans to do it? By investing $100 per month while they’re an infant in a specially designed indexed life insurance policy, you can give them a helping hand throughout their lifetime. The gift is tax-free and avoids probate.

Read More
3 Ways To Use Life Insurance For Protection From Taxes
Blog Sivea Key Blog Sivea Key

3 Ways To Use Life Insurance For Protection From Taxes

Life Insurance isn’t just for protecting your family when a breadwinner passes away unexpectedly. When you understand the special strengths of different types of life insurance policies, you will be able to choose the right one to help you defer unnecessary taxes or even avoid them all together.

Read More
What Can Life Insurance Do For Me?
Blog Sy Blog Sy

What Can Life Insurance Do For Me?

Most of us have a general sense that life insurance is something a responsible adult should own but how many people know what life insurance can do? In order to buy a policy that will do what you want it to do, means you need to know two things…

Read More
How To Have Difficult Conversations About Money, Long Term Care Planning, and More
Blog Sy Blog Sy

How To Have Difficult Conversations About Money, Long Term Care Planning, and More

The holiday season is stressful enough on its own. When getting together for the holidays means having hard conversations, that stress multiplies. We’ve learned a lot from Difficult Conversations: How to Discuss What Matters Most by Douglas Stone, Bruce Patton, and Sheila Heen about how to have those stressful conversations, and we’re excited to share our favorite tips.

Read More
How Much Does Long Term Care Insurance Cost?
Blog Sy Blog Sy

How Much Does Long Term Care Insurance Cost?

How Much Does Long Term Care Insurance Cost? The short answer is, “It depends.” In this blog series, you’ll learn about what affects the premium price of long term care insurance and what impacts those factors make on the benefits. The first step…

Read More
When to Buy Long Term Care Insurance
article Sy article Sy

When to Buy Long Term Care Insurance

Start early for better, more affordable protection.

Long term care is expensive - even when it’s free. It can cost in dollars or in the wellbeing of the caregiver. Long term care insurance can help protect your savings and the loved ones that care for you. So how do you decide when to buy it?

Read More