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Comparing disability insurance quotes takes more than just comparing premiums. You have to dig in and read the contracts. In our previous post, we covered some basic policy features to look out for. Here, we outlined below some of the more important disability insurance contract provisions.  Not long ago, a typical retiree enjoyed a pension benefit provided by their employer, a guaranteed income stream for as long as the retiree (and the spouse) lived. It was entirely employer-funded, a sort of a reward in exchange for a job well-done and loyalty. Some employers were generous enough to even subsidize all or most of health benefits during retirement.  Generally positive capital markets along with ample helpings of uncertainty have been the primary feature of this last quarter in the financial markets. A fair sprinkling of positive developments have continued to influence the bullish among us as inflation moderated, jobs remained plentiful, the debt ceiling standoff was resolved and folks contemplated the potential productivity enhancing attributes of many of the AI related technologies.  A while back, our professional colleague, Steve Parrish, Co-Director of the American College Center for Retirement Income, graciously gave us permission to post his article in Forbes on a tax-saving strategy for business sale. Well, here is another insightful article, this time for folks nearing retirement. If you or your loved ones are nearing retirement, this is a must-read. Here it is in its entirety.  About 6 months ago, we invited our trusted partner and mortgage professional, Scott Bothel of North Pacific Mortgage, to write a guest post for us to share his thoughts on the state of mortgage interest and what it meant for us. Well, he's back with an update with his own blog post and we asked for permission to share it with you. Here it is in its entirety.  To our friends who are tax and estate planning professionals, we hope you are enjoying the warmer weather. Here is another list of articles that I hope you find interesting and helpful to your practice.  |
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