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A message from Michael Kalen, CEO of Futurity First Insurance Group.
  • Gen Xers DIY Finances Are Turning Into a DIY Don’t

    While some Gen Xers have become successful DIY investors, most have not. As the article points out: "They bring an attitude of 'I’ll figure this out someday when I have time, and then I’ll make some smart decisions that will catch me up.'" But that just isn't true. It's time for this generation to start looking to financial experts for help.
  • A Love Letter About Life Insurance

    I recently ran across a yellowing sheet of paper with a typewritten letter; it was a copy of a note I had sent to my son. The date on the letter was Nov. 21, 1989, and my son was just four months old at the time. As I read it again after so many years, I realized something: Although I was telling him about the life insurance policy we had just purchased for him, it was, in fact, a love letter.
  • Here’s Why You Should Consider Long-Term Care Insurance

    Without long-term care insurance to help meet the cost of needed long-term care services, you run the risk of depleting a lifetime of savings. With long-term care insurance, you’re in a better financial position to make the choice of what long-term care services you receive and where you receive them. In addition qualified long-term care insurance receives favorable income tax treatment. The benefits from qualified long-term care insurance, for the most part, are not taxable income to the recipient, up to a daily limit ($330 for 2014).
  • What Happens When the Money Is Yours to Take?

    I think managing investments for retirement income in the “distribution” phase is much scarier than figuring out how to invest during the “accumulation” phase. At least in the accumulation phase you have some time on your side. At distribution, there is no make-up time for investment mistakes or market downturns.

Do you really need long term care insurance?

Start planning now.  Evaluate your long-term care needs and the options that work best for you.

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What can an annuity do for you?

A tax-deferred annuity is a long-term investment option ...

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How protected is your income?

Imagine if you suddenly lose your job due to an injury or illness ... 

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Top 10 Reasons You Need Life Insurance! You may find that life insurance is something you not only need, but truly want.

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