By Kevin Bewley and Otto Dittrich Disability insurance has a few common misconceptions: most people assume their disability coverage is handled, that it comes with their job’s benefit package, and that it rarely requires a second thought. For the majority of working Americans, that usually is enough protection. A standard group long-term disability plan covers around 60% of pre-disability earnings, which for someone earning $60,000 or $80,000 a year, that replacement rate doe

What Actually Gets an Ultra-High-Net-Worth Client’s Attention The average person is inundated with emails, alerts, and information every single day. For someone with very high net worth, they may even have someone dedicated to filtering that noise so they can prioritize what actually deserves their time. In the information age, how do we break through and get clients to care about their financial security? Clarity Shows Competence The first and most important step is making s

The Same Question Always Shows Up I’ve spent a lot of years talking with people who’ve done very well financially. Business owners, executives, professionals, and professional athletes. Different careers, different paths, but eventually the same question comes up: how do I make sure the money lasts? That question doesn’t usually show up early, when the income is strong. It shows up later, when the paychecks slow down or stop. By then, the math matters a lot more. Professional