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Evidently, in a field like financial services, it matters which words we use as professionals. Occasionally, similar concepts get conflated, confusing the general public. For example, saving and investing are two fundamentally different disciplines with different tools and goals. Despite those differences, it's a common misconception that using relatively riskier retirement investing tools is the same as building safe money savings. By the same token, this confusion also extends to popular impressions of what the "economy" is and what our nation's "fiscal" situation is.

When you buy a life insurance policy, you are essentially transferring your financial risk to a life insurer which then becomes obligated to pay your beneficiaries based on the contracted amount of death benefit purchased. The life insurer is able to assume the risk because, based on its data, it knows when you are expected to die.

For most people the difficult decision is not “if” they need life insurance, but “how much” life coverage they need.

As we grow up, we come to understand just how terribly long some moments in
time can feel. For instance, a child will never understand how long the week prior to
payday can feel when money’s tight. Your teenager (probably) won’t appreciate that
hours feel like eons when you’re waiting for that "I made it here safe" call or text. While
it can be frustrating, it’s important to remember that that disconnect in our sense of time
is a two-way street. As our adult lives speed up and each day represents a smaller and

An increasing number of people are starting to understand that their real risk exposure is not in the costs associated with repairing or replacing their car or home, rather it is in the far more costly liability risk. Yet, most people drastically underestimate their personal liability risks.

It seems remarkable that more than one in seven drivers in the United States is uninsured. But with the slumping economy, that number is expected to increase. And that doesn’t account for the millions more who can only afford to buy the minimum liability coverage that is required by state law.

Critics of whole life insurance point to the higher premiums these plans require and the inflexibility of the payment schedule.

There are many ways that we support our favorite charitable causes. However, one of the most beneficial ways to support a favorite charity now and into perpetuity is through planned giving. While almost any larger nonprofit organization has an active planned giving program, it may come as a surprise that many smaller nonprofits are also eager to work with their donors on planned giving options.

Being financially literate in today’s economic climate is more important than ever. Understanding finances can help you make better money management decisions, budget your money properly, adequately save for college, and be financially prepared for retirement. While it may sound daunting, financial literacy starts with a budget. Today, only one third of Americans have a budget that they actively use when making financial decisions, although 75% of Americans believe you should have a budget.

For anyone who has purchased life insurance, most would agree that it is one of the most critical financial moves they could make.  Yet, many people fail to give their life insurance purchase the meaningful consideration it requires. A life insurance purchase is for life, which means there are no “small” mistakes when purchasing it, only big, costly ones.