Our Quarterly Newsletter
February 2017
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Your annual risk checkup

Sometimes we don’t like to think about all the terrible things that might happen to us and our dependents, but one thing is true: it’s better to think about it now before the worst occurs.
We believe everyone should go through an annual risk assessment to make sure they have all the bases covered. It’s worth thinking about what has changed in your life over the past year and what may change going forward. Once you have done that, you can discuss whether you are adequately protected from major risks with your financial advisor or insurance professional. Here are some general risks to consider:

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Richard Schroeder, CFP®

The basics of long term care (LTC) insurance


What is long-term care insurance?  Long-term care insurance (LTCI) is an insurance product, sold in the U.S., U.K. and Canada, that helps pay for the cost of long-term health care.  LTCI policies reimburse policyholders a daily amount (up to a pre-selected limit) for services to assist them with activities of daily living such as bathing, dressing, or eating.  You can select a range of care options and benefits that allow you to get the services you need and where you need them.

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Do you need a retirement calculator?


Interactive retirement calculators are popping up all over as a means to simplify the questions of “Can I retire?” and “Am I saving enough to retire?” 401k providers are even adding sections to their routine reports to estimate the monthly income the future retiree can expect to receive from the portfolio. These tools are fast and simple, however, they might not be the only analysis needed to ensure you are on the right track.

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Level In the News This Quarter
Featured blog posts from this quarter:
Why comparing your diversified portfolio to an index doesn't make sense

A look back at 2016

Beneficiary forms:  The idea seems so simple

"January barometer" predicts, well ... January

401k beneficiary rules: What you need to know if you divorce and remarry

A vote for small cap stocks?

The past is easy to predict

Should you downsize your retirement

A potential IRA change with big tax implications

Do you need to do something with your bonds?

Today's news headlines don't explain the markets

Should you invest that lump sum payment now?

You retire, but your spouse still works

NY students default less than U.S. average on student loans

Prediction season

Three must-have personal finance apps

Tips for dealing with student loan debt

Parents and children: Is it time for "the talk?"

4 ways to give thanks (and save money)
Copyright © 2017 Level Financial Advisors, Inc., All rights reserved.

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