Medical expense accounts offer a tax-advantaged means to save and pay for medical expenses that aren’t commonly covered by health insurance. The four types of accounts are: * Flexible Spending Arrangements (FSAs) * Health Savings Accounts (HSAs) * Health Reimbursement…

Health insurance is a huge cost of business for any company, but especially for small companies. Premiums continue to increase and many smaller firms are forced to require employees to shoulder the financial burden. Many employers have been forced to…

While many people are underinsured, some of us are carrying more insurance than we need. We may have too much or the wrong kind. There are times when dropping your insurance coverage makes sense. Making unnecessary premium payments is wasteful.…

If you prefer to plan ahead for anything unsavory that might happen to you financially, you might want to consider purchasing umbrella liability insurance. Umbrella liability insurance can protect your assets from large claims or lawsuits. Review these elements of…

Most of us have insured our house, possessions, cars and our lives. However, have you insured something that might be even more important: your ability to consistently earn income? This may be the most important asset you have. Consider the…

Part of your financial plan should include protecting your assets, including your possessions, as well as your income, loved ones and health-related financial concerns. Insurance isn’t very exciting, and it can certainly be expensive. But when you need it, you’ll…

Unexpected losses can put the best-laid financial plans in turmoil. Insurance coverage is necessary to protect against unexpected costs, property loss, and disability. There are no universal answers to the question of how much insurance is enough. Situations vary. A…