Using insurance with surviving spouse finances eases the way during an emotional and hard time. Sometimes Social Security doesn't pay all the bills when one of a pair passes. Plan for the worst; hope for the best and have peace of mind. 

When is the last time you saw someone who had an auto accident pull out their wallet and pay cash for the property they damaged? How about surgery or going to the doctor? Do people pay cash for these things? Most likely, with each of these examples, folks use insurance to weather the financial burden. 

Fast forward to end of life care. People avoid thinking about it. Denial, lack of education or no people to help plan creates tricky situations. Yesterday, we met with someone who's sister's kids were scrambling to literally spend the funds from selling a house, so she could pay for the care she needed. 

Meanwhile other folks with means typically spend down accounts twice as fast as those that plan, zeroing out faster. They are doing the equivalent of driving without insurance, a truly cost prohibitive way to fund end of life care, leaving less of a legacy for their heirs, often the whole purpose of building that wealth in the first place! 

Some people use long term care. For others, the timing is off, or they dislike that approach. No worries. There are many ways to solve this, based on your overal picture. Some solutions involve legal documents, while others involve insurance--the kind that if you don't use, either yiu or your heirs get your money back, plus interest! Much better than car insurance where you pay and pay! 

With proper planning, scenarios like these can be avoided. Plans are in place, creating peace of mind, assurance, clarity. 

Let's get you the help, education and tools you need. Let's have fun doing it, sharing stories and feeling relief. We've got a team to have your back. Call us to get started: 423-521-5877.

Often people talk to friends and assure good wishes and Godparent commitment over a cup of coffee or a beer. That has the feeling and intent in place, but not the finances and the day-in day-out details of an estate plan. The last thing grieving Godparents should have to figure out if the worst happens, is what your exact intentions are and how the finances will work.

Earlier this week, Cath and her team were awarded the #1 spot at the very top of the 200+ producers doing estate planning

"You've helped us more than you know, Cath. We're both so grateful." His words were simple, yet touched me. It was the second time last week that I'd heard this sentiment. It was a handshake, but had the tender care and kindness of this man and his cat.

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