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 does what it's...

Professional services firms, including law, accounting, consulting, and beyond, depend on their top partners and executives to drive...

Many high earning professionals assume their income alone guarantees long term financial security for their families. Yet there is a...