Author: Keith Carravone

Insurance Risk Management Fundamentals

Not all financial professionals are insurance experts. Even if you don’t consider yourself a specialist in insurance, it doesn’t mean you can’t help your clients identify risk coverage gaps that may lead to vast future financial exposure.

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Social Security Disability Income Benefit Facts

Social Security Disability Insurance and Supplemental Security Income programs are the largest of several federal programs that provide assistance to people with disabilities; though 26% of adults in the U.S. have some form of disability, very little is known about these programs.

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Charitable Trust: Philanthropy and Retirement Income

Individuals often view retirement income planning and legacy planning as discreet exercises. In fact, these planning objectives can both be met through the use of charitable remainder trusts (CRTs), which is an irrevocable trust in which you—the donor—receive income generated by the assets donated to the trust, while the remaining assets at your death are distributed to a charity selected by you.

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Overlooked Business Insurance Coverage

A smart business owner recognizes the importance of having the right business insurance coverage to protect his or her company against the many risks that can undermine its financial viability and threaten the livelihood of both owners and employees.

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A Primer on Registered Index-Linked Annuities

Amid choppy financial markets in 2022, investors increasingly discovered the value of annuities. While much of last year’s annuity sales were in fixed-rate deferred annuities, index-linked annuities continued to post strong sales, rising to almost $41 billion in 2022—6% higher than 2021 and a new all-time sales record.

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