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Divorce and Retirement
When you’re in the midst of a divorce, you have to juggle so many things. The emotional toll is hard enough to manage along with the many...
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Carmen Hornberger
- Sep 30, 2021
- 2 min
Changing Your Mind After Retirement
Retirement is a milestone achievement, and it’s often a challenge to settle on the right time to leave the workforce. Many people even...
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Carmen Hornberger
- Sep 20, 2021
- 2 min
Passing Down Property: What to Know
Passing family property down through the generations is a wonderful way to honor all the memories made in your home. Plus, your kids will...
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Carmen Hornberger
- Sep 1, 2021
- 1 min
How to Curve Inflation
More money means more spending power. When a promotion at work or a lucrative investment puts more money in your pocket, you’re naturally...
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Carmen Hornberger
- Aug 24, 2021
- 2 min
4 Questions About RMDs Answered
The rules that apply to required minimum distributions (RMDs) have changed over the last couple of years, and it’s possible they could...
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Carmen Hornberger
- Aug 22, 2021
- 2 min
What is a Trust, and How Does It Work?
What do you want to leave behind for your heirs? Thinking ahead can be a challenge, but you likely want to pass down an inheritance to...
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Carmen Hornberger
- Aug 6, 2021
- 2 min
Using Life Insurance as an Investment
Life insurance is not normally thought of as an investment in the sense that stocks or bonds are. Rather, life insurance is purchased...
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Carmen Hornberger
- Jul 27, 2021
- 2 min
Using Life Insurance for Its Cash Value
Permanent life insurance, as a necessary part of the level premium approach to funding the death benefit, creates a reserve. Under a...
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Carmen Hornberger
- Jul 15, 2021
- 1 min
Mortgage Protection: How It Saves Lives
With the housing market in a frenzy right now, homes are selling 30% over the asking price. Makes you wonder why someone would pay...
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Carmen Hornberger
- Jul 1, 2021
- 1 min
Critical Illness: The Answer to the High Deductible Plan
There are two main reasons why Americans choose high deductible plans: they have been forced to by their employer and the premiums are...
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Carmen Hornberger
- Jun 3, 2021
- 1 min
Stop Wasting Your Policy Premiums
Life insurance policies are one of the most valuable assets a person can own. They are also one of the most misunderstood, devalued, and...
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Carmen Hornberger
- May 25, 2021
- 1 min
How Much Life Insurance Do You Really Need?
Life insurance is not solely based on death, but many people buy life insurance only for the purpose of paying for a funeral. When...
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Carmen Hornberger
- May 8, 2021
- 1 min
Misconceptions About the 529 Plan
Believe me, saving money tax free is always good. However, in a college saving plan, it may come back to bite you in the rear!...
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Carmen Hornberger
- Apr 28, 2021
- 1 min
Roth IRA vs. 401(k)
The difference between the Roth IRA and the 401(k) really depends upon the type of money being invested (i.e., qualified vs....
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Carmen Hornberger
- Apr 7, 2021
- 1 min
Term vs. Whole Life Insurance
Many have been perplexed about the nuances between whole vs. term, but really neither is bad; it really just depends on a person’s...
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Carmen Hornberger
- Mar 31, 2021
- 1 min
Biden’s Stimulus Plan and How It Affects YOUR Retirement
It’s being said that in the 3rd quarter this year, the 401k will NO longer be tax deferred. What will occur is a tax credit estimated at...
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Carmen Hornberger
- Mar 15, 2021
- 1 min
Women with MONEY have more CHOICES and louder VOICES!!!
Look at these about YOURself: 1 out of 3 households are run by WOMEN WOMEN outrank men in professional degrees by 34% In married...
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