Topic: Retirement & financial planning

5 Tips on Whether to Buy Long-Term Care Insurance

One of the most difficult decisions in long-term care planning is whether to purchase long-term care insurance (LTCI) and which product best suits your needs. On the one hand, LTCI premiums are high and they may be raised in the future. Plus, if you are in your 50’s and 60’s when purchasing policies, the need…

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Emerging Professionals and Disability Insurance

Emerging professionals work hard—you apply yourself to everything you do. You thrive by embracing the changes you know life brings. Yet starting your career is only the first step toward achieving financial stability—since all of life’s events cannot be predicted. As you start your future, how do you protect your income? Accidents and illness happen…

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Yearly Financial Checklist

A new year is an excellent time to consider how you’re doing financially and set goals for the year ahead. Pursuing your goals may be easier when you focus on one specific priority each month. This calendar of ideas will stimulate your thinking about dollars-and-cents objectives. January Pay off any holiday season credit card bills…

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One Trip Away from Financial Crisis

Most people will agree that quality medical insurance is an important part of an individual’s overall health and wellness. However, there is a great deal of variance in the level of coverage offered. In addition, the level of emergency coverage and the type of emergency services included in a medical policy are significant because emergency…

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What Do You Need to Know About Life Insurance?

First off, do you even need life insurance? If anyone currently relies on you financially, you should have life insurance. When you’re gone, your family will not have the support of the income you had provided in the past so life insurance helps replace that financial contribution to your family. Whether it’s enough life insurance…

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FAQs About Disability Income Insurance

While disability income insurance is one of the most overlooked types of insurance, it is one of the most important. It can help provide a safety net for unexpected pitfalls in life, such as injury or illness that prevent you from performing your duties and obtaining your normal cash flow. Some frequently asked questions (FAQs)…

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Retirement & Financial Planning Tools

The AIA Trust offers resources to assist AIA Members with challenging financial and retirement decisions. Financial Management Resources Whether you’re just starting your own firm or running an established firm – managing your company financials is critical. This list of helpful resources will help you plan strategically for success. View >   Financial planning online tool Developed…

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Why Would You Need Disability Insurance If You Have It at Work?

If you have disability insurance at work, you may think there isn’t any reason to buy a policy on your own; however, employer disability coverage may not be enough to address your needs. Having disability insurance at work is a great start since the policy can help financially if you become sick or injured and…

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Retirement Planning: The Cost of Waiting

“The way to get started is to stop talking and start doing.”  – Walt Disney The time for planning for your future is now. But in today’s fast paced, hectic world many people put off important decisions until another day. The excuses—”I don’t have time to plan,” “I can’t afford to invest,” and “I really…

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Group Variable Annuity Contract: Misconceptions versus Reality

Group Variable Annuity Contract sounds like a complex term, but the reality is much simpler and certainly not something to avoid when a business is considering a 401(k) plan provider. There are a number of misconceptions attached to this term and annuities in general. One misconception is that merely because a plan is held in…

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