Posts Tagged Lutcf

  • “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...

  • 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...

  • What if...........? What if………..?

    By Richard J. Schillig, CLU, ChFC, LUTCF Independent Insurance and Financial Advisor What if the retirement plan you have today will not turn out the way you thought it was going to…..then WHEN would you want to know that? If the retirement plan you have today is not as true as you thought it...

  • IRA Contribution Amounts IRA Contribution Amounts

    By Richard J. Schillig, CLU, ChFC, LUTCF Independent Insurance and Financial Advisor The maximum amount you can contribute to a traditional IRA or Roth IRA in 2012 remains at $5,000 (or 100 percent of your earned income, if less), unchanged from 2011. The maximum catch-up contribution for those...

  • The Value of Safety The Value of Safety

    By Richard J. Schillig, CLU, ChFC, LUTCF Independent Insurance and Financial Advisor The roller coaster ride for those aboard the stock and mutual fund markets continues. You hear me say continually, “None of my clients have lost money.” I continue with that statement. We only provide fix...

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