You spend time worrying about risk management for your company, but do you periodically review your personal financial risk management needs? Knowing that the answer is often, “no,” here are a number of areas that you may wish to consider and discuss with an insurance/financial advisor. Buy-Sell Agreements As a shareholder or a partner in [...]
Filed in Financial Planning, Insurance, Uncategorized
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Also tagged Alberta, business overhead expense, buy-sell, critical illness, disability income, disability insurance, Edmonton, financial advisor, key person, living benefits, long-term care insurance, Lunch 'n Learn, personal financial risk management, travel insurance
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This article was originally published as a page on my site. I have decided to remove it and replace it with a blog entry. Here it is, slightly edited: I like being asked the question, “Do I need insurance?” This means that the person is not politely walking the other way once it is known [...]
I was asked a question the other day as a little thought was being given to the retirement years. The question was regarding the value of continuing a disability insurance policy, assuming it would no longer provide a potential benefit. This assumption may not be correct! If you have group or association coverage, it likely terminates when [...]
If you are fortunate, you have group benefits through an employer (or an association to which you belong). You are not alone if you received the benefit booklet and did not even open it. I hope you have now retrieved the booklet or asked your Human Resources department for another copy. You will likely find [...]
I am pleased to announce that I completed my Registered Health Underwriter (RHU) designation this past week. As you may know, I have become quite passionate about the living benefits. This program provided further depth into the topics of disability income replacement, critical illness and long-term care insurance, and group benefits. These are topics that [...]
Filed in Financial Planning, Insurance, Risk Management, Uncategorized
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Also tagged critical illness, disability income replacement, disability insurance, Edmonton, health insurance, living benefits, long term care, Registered Health Underwriter, RHU
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Thursday, December 18, 2008
Creating an online Money Management seminar is something I have been thinking of for some time, and I think that now is the time to move ahead. I would, however, appreciate a little input. Here’s what I have in mind as an initial session. Participants would be led through a process to identify their cash [...]
Filed in Budgeting, Finances for Women, Financial Planning, Insurance, Investment Planning, Uncategorized
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Also tagged cash flow, Edmonton, income protection, Insurance, inventory, money management, net worth, Reflections on Wealth, RRSP, seminar, Tax Free Savings Account, Tony Ratcliffe
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Monday, November 24, 2008
Many people find themselves without group medical/health benefits. This may include the self-employed, and it may be individuals who work for an employer that is unwilling or unable to provide coverage. I have also seen employees decline coverage thinking they were fully covered by their spouses’ employers. The latter may be true of health and [...]
Filed in Finances for Women, Financial Planning, Insurance, Investment Planning, Uncategorized
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Also tagged disability insurance medical insurance, Edmonton, Financial Planning, health insurance, Reflections on Wealth, Tony Ratcliffe, wealth
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