Most people know they need to insure their life, their car, and their home or condo.  But they often overlook insuring their most important asset — their ability to earn an income.  Your income is the primary source of funding for a lifetime of things, from basic necessities to the hopes and dreams you have for yourself and those you love.  The $3-9 million or more you'll likely earn over the course of your business career is surely an asset worth insuring.

Once you’ve decided to get serious about financial planning or investing, one of your next steps may be to seek professional help. Perhaps relatives or friends are recommending financial professionals to you. Maybe you know some financial professionals yourself. What is the smart way to choose financial planning advice and service? Consider these 10 ideas:

Retirement income is one of the most important aspects of a successful retirement        and the type of life-style one can enjoy throughout retirement.  One of the cornerstones for income during retirement is Social Security which, on average, amounts to about 40% of the total retirement income. Structuring the highest legal benefits available from Social Security can be important to promoting higher retirement income, especially for a surviving spouse.  

When it comes to Retirement Readiness, we’re facing a crisis of epic proportion.
Many Americans have no idea how far behind the Retirement Planning 8 Ball they really are.

Whether you’re retired or very close to it, whether you’ve accumulated a couple hundred thousand dollars or several million, planning for your retirement is more challenging today than ever.