Posts Tagged Clu Chfc

  • “Affordable” Care Act - A Real Misnomer “Affordable” Care Act – A Real Misnomer

    By Richard J. Schillig, CLU, ChFC, LUTCF Independent Insurance and Financial Advisor The Patient Protection and Affordable Care Act was initially passed into law in 2010, with various provisions gradually phasing in over the years. January 1, 2014 is an important date for implementation of this...

  • Inundated with low interest environment & healthcare reform? Inundated with low interest environment & healthcare reform?

    By Richard J. Schillig, CLU, ChFC, LUTCF Independent Insurance and Financial Advisor Lots and lots of things are going on in our world today. These two topics – low interest & health care reform – seem to dominate media focus. Let’s shed some additional light on these two topics. We...

  • Are You Ready for Retirement? Are You Ready for Retirement?

    By Richard J. Schillig, CLU, ChFC, LUTCF Independent Insurance and Financial Advisor Retirement readiness is more than just giving up a job or a career after years of service. Retirement readiness is accepting the responsibility to fund and structure the retirement you desire. In order to achie...

  • The Greatest Gift The Greatest Gift

    By Richard J. Schillig, CLU, ChFC, LUTCF Independent Insurance and Financial Advisor Having your affairs in order can be the most lasting gift to for loved ones With many years of experience in the insurance and investment business, this featured article/story in “Renew” magazine is pric...

  • Low Returns to Continue for Decades? Low Returns to Continue for Decades?

    By Richard J. Schillig, CLU, ChFC, LUTCF Independent Insurance and Financial Advisor A recent financial industry news report featured a headline of doom and gloom regarding rates of return on equities. London Business School and Credit Suisse article states for the next 20 to 30 years, annualiz...

  • One Benefit for Achieving Age 70 1/2 or older One Benefit for Achieving Age 70 1/2 or older

    By Richard J. Schillig, CLU, ChFC, LUTCF Independent Insurance and Financial Advisor Is there a benefit to aging? The American Taxpayer Relief Act of 2012 is telling us there is a huge benefit to hitting the golden age of 70 1/2, especially if we hold qualified retirement accounts, such as IRA...

  • Are You Safe from the Fiscal Cliff? Are You Safe from the Fiscal Cliff?

    By Richard J. Schillig, CLU, ChFC, LUTCF Independent Insurance and Financial Advisor The “Fiscal Cliff” is the description economists have used that describes the potential situation at year-end 2012 when a number of U.S. tax and fiscal changes are scheduled to occur. Folks, these changes a...

  • Annual Enrollment Period continues Annual Enrollment Period continues

    By Richard J. Schillig, CLU, ChFC, LUTCF Independent Insurance and Financial Advisor The Medicare Annual Enrollment Period is the time during which people with Medicare can make new choices and pick plans that work best for them. Each year Medicare plans typically change what they cost and cove...

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