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Return of The Fiduciary Rule:

The Department of Labor recently released a regulatory agenda that indicates that it will consider regulatory options to respond to the U.S. Fifth Circuit Court of Appeals decision in March (2018) to vacate the Fiduciary Rule.  The rule would have required brokers in retirement accounts to act in the best interests of their client.  The … Read more

Hurricane Insurance Update:

While the impact of Hurricane Michael and Hurricane Florence will affect thousands of people for a long time, the impact on the insurance industry is manageable.  Residents and businesses in the Carolinas and Virginia hit by Hurricane Florence will be dealing with an estimated $1.5 billion in wind damage and $28.5 billion in flood damage.  … Read more

Life Insurance Companies and Leveraged Loan Concerns:

At the heart of the 2008 U.S. financial crisis and the 1997-1998 Asian financial crisis was sub-prime loans. Leveraged loan volumes are now nearing $1.4 trillion, surpassing the $1.3 trillion high yield bond market according to Mark Zandi, chief economist of Moody’s analytics.  Zandi writes that it’s “much too early to conclude” that the non-financial … Read more

Making Lemonade from Insurance:

While insurance companies are not the most beloved, they for the most part, meet their obligations by paying claims, as promised.  We’ve all heard the stories of insurance companies unfairly and unreasonably denying claims or giving claimants the run-around. And most likely have experienced this ourselves. I’ve definitely experienced this.  What most people don’t talk … Read more

Announcing The GET READY! Financial Preparedness Group:

I’ve created a new Facebook Group “GET READY! The Financial Preparedness Group”.  Life is uncertain, and things happen.  This group is about being financially prepared and how you can maintain a financial first aid kit.  This is the kind of group, you’ll want to be part of before an emergency happens. Whether you want to … Read more

In the news: How To Shop for Life Insurance (

Thank you to for the opportunity to be a source for their article on How to Shop for the Best Life Insurance.  This article compiles the big points on shopping for life insurance.  Here’s what I had to say: “Life insurance is advertised as a product that is needed by all, and so people … Read more

What to share after an auto accident:

When you are in an accident, whether it’s a fender bender or something more serious, your primary concern is that everyone involved is safe. Your thoughts will then usually go to quickly revisiting what happened and the damage to your car and any other involved car or property.  Usually, identity theft is not at the … Read more

Online Data Breaches:

Online Data Breaches: Part of staying ready, is to protect your data online as best as you can.  In surprising news, Google+ was still active.  What’s weird is that while it seems like no one was using Google+, this hack impacted almost 500,000 users as Google+ to shut down after coverup of data-exposing bug. And, … Read more