Tags Hans Scheil

Tag: Hans Scheil

Getting the Best of Both Worlds with Hybrid Long-Term Care Insurance

Wow, what a set of options: live, die or quit? It may sound extreme, but this handy phrase is actually a useful way to...

IRMAA: The Medicare Tax | Cardinal Guide

Like any taxes, there are strategies to legally lower these costs or avoid them completely. The first thing to consider is your income immediately prior...

Do You Need a Mulligan on Your Social Security Election?

The most common reason people ask for a Social Security do-over is because they went back to work. Another reason is a change in...

Why it’s Worth Paying for “Tax-Free”

One common approach is to move tax-deferred money into tax-free (also known as tax-exempt) accounts. As mentioned above, a Traditional IRA is a tax-deferred...

Beneficiaries and You: Transferring Money Outside the Will

A beneficiary is simply “a person who receives a benefit.” In this case the benefit is the money you are distributing after you die....

Want guaranteed income for life? Consider an Income Rider

Another guaranteed part of this policy is the principle, including the credited interest earned every year. In practice, this means that if both spouses pass...

Tax Free Roth vs. Tax Deferred IRAs

Depending on the type of retirement account that you have, distributions can have huge impacts on your income. If you have a Traditional account, distributions...

Emotional, physical, and financial consequences of a long term care crisis

When a long term care crisis occurs, and there is no plan in place, there are also physical consequences to your family. As we mentioned...

Medicare Supplement Plan G Explained

When you stay on Original Medicare, instead of going the Medicare Advantage route, you are going to need insurance to supplement your Medicare coverage. If...

Social Security Benefits When A Spouse (or Ex-Spouse) Dies

If your spouse passes away during working years, you are eligible to receive Social Security benefits on their record starting as early as age...
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Kari Kampakis offers insight into the world of teen girls and explains how mothers can strengthen their relationships with their daughters. Get Kari's book "Love...