Money Clinic: Human Capital is Part of Your Balance Sheet

While it is not surprising that most financial advisors focus primarily on a client’s portfolio, the reality from the holistic financial planning perspective is that the household balance sheet includes more than your financial accounts. Since most advisors focus on selling you a financial product, they often neglect to recommend changes to your portfolio based […]
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Money Clinic: How to Protect Your Assets from Multiple Threats

Many people think asset protection is only a function of estate planning and since that is a “death” topic, it often gets low priority on the financial planning to-do-list. Unfortunately, many financial planners and insurance agents are using “estate planning” as a “sales system” to make commissions and fees. In fact, most people get so […]
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Money Clinic: Protect Your Insurability

As we head into Life Insurance Awareness month, it is important to emphasize the importance life insurance plays in multiple roles in a solid financial plan. Life insurance is most commonly known for its role in helping to replace the income of someone who passes away prematurely. It is also a common estate planning tool […]
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