The departure of Plan F is like an all-you-can-eat buffet, stocked with your favorite dishes, made with the most prized ingredients, going away forever. For years, each visit to the buffet felt too good to be true. With its unmatched selection and reasonable price, the whole experience nearly defied logic. In hindsight, you realize you were probably right and now, the restaurant owner feels the same way. In this case, that buffet is Medigap Plan F and the restaurant is the US Government. Continue Reading...

During the 2nd quarter of this year, the world experienced a chilling array of cyber-attacks. The breadth of targets and strategies highlighted the reality of cyber warfare as a threat to our day-to-day wellbeing. While we are by no means cybersecurity experts, we respect the sensitivity of the information our clients provide and wanted to talk about some of the measures we have in place to help ensure we are protected against any sort of breach. Continue Reading...

There's a saying that the only two guarantees in life are death and taxes, so it should come as no surprise that the latter can closely follow the former. Continue Reading...

“A smart man makes a mistake, learns from it, and never makes that mistake again. But a wise man finds a smart man and learns from him how to avoid that mistake all together.” Except for a lucky-few instance, smart people who preemptively stub out the poor decisions of others are not always in the right place, at the right time. Fortunately for you and your retirement account beneficiaries, that resource exists and that resource is us. Continue Reading...

The HSA is designed to help individuals and families pay for medical expenses that fall under the account's definition of qualified. Funds in the account grow tax-deferred and, when used for an expense that's deemed to be qualified, are distributed tax-free. It's a great resource for Americans, but much to our chagrin, most people use their HSA inefficiently. Continue Reading...