By George E. Kavalauskas, RFC, Patrick Wilson, JD, RFC. CLTC

By David Warner

This article provides you insight into the language contained within a disability policy.

By Elizabeth (Liza) Campa-Flanagan, CFP®, CIMA

Long-term care is assistance for months or years with basic activities of daily living like bathing, dressing, or getting in and out of a bed. Unlike medical care, which is designed to get you back to the way you were before you became sick or injured, the purpose of long-term care is custodial — that is, to keep you safe and comfortable for your period of incapacity. But, the big question and the dilemma for most families is, "can we realistically preserve our retirement assets and income while covering long-term care costs?"

By Carole C. Foos, CPA, David B. Mandell, JD, MBA, Jason O'Dell, CWM

As a physician, do you realize that – between income, capital gains, Medicare, self-employment and other taxes, you spend 40 to 50% of your working hours laboring for the IRS and your state? That is a lot of time with patients for someone else’s benefit. Given the significance of this fact, shouldn’t your advisors be giving you creative ways to legally reduce your tax liabilities? How many tax-reducing ideas does your CPA regularly provide you? If you are like most physicians, you probably get very few tax planning ideas from your advisors.

By David B. Mandell, JD, MBA, Jason O'Dell, CWM

As an attorney and consultant to thousands of physicians across the country, we are constantly astounded by the attitudes of physicians regarding the sale of their medical practice. Most often today, we hear the complaint that doctors do not feel they can sell their practice for any significant value. They generally do not feel the practice is “worth anything,” especially if they do not have younger partners to buy them out.

By Mason Salisbury

Every state has its own set of “Exemption” statues. In them you will find perhaps the only unassailable creditor protection available and it can be extensive. Not planning retirement savings, home ownership, and life insurance purchases around your state’s exemptions is foolish indeed. I am a South Carolina attorney and this article is about South Carolina “Exemptions” only. What dollar amount of home equity, 401(k)s, IRAs, life insurance, annuities, cars, jewelry, tools of your trade, and household furnishings are safe from creditors no matter what.

By Lawrence B. Keller, CFP®

As I now enter my twentieth year in the financial services business, I can say that the more things change, the more they stay the same and disability insurance is no different. This article will discuss where the disability industry has been, where the industry is going and serve as a primer to help you find the policy to best suit your individual needs in today’s marketplace.

By Andrew Schwartz, CPA

HSA's save you taxes in many different ways, including tax- deductible contributions, tax-deferrend growth, and tax-free withdrawals. As the cost of healthcare continues to skyrocket, taking advantage of the various tax breaks offered by HSAs is one way to make your family's medical costs a little more affordable.

By Lee Adelson, LUTCF, CLTC

This article briefly and simply discusses the main concerns of Long Term Care, understanding what is covered, how policies work, and how to decide what company is right for you. It also discusses how to design a plan that is right for your particular needs.

By Lawrence B. Keller, CFP®

Female physicians often find themselves paying too much for their disability insurance as they are not aware that often times unisex premium rates are available, which can reduce their costs by 35-60%.