Posts by Holly Hanes
Legislative Change Reverses Obama-Era Coverage Duration Limit
HHS final rule on short-term, limited-duration insurance brings more flexibility and choices to consumers August 1, 2018 the U.S. Department of Health and Human Services, Centers for Medicare & Medicaid Services (CMS) announced a final ruling regarding short-term medical coverage duration periods. Coverage can now cover an initial period of up to 364 days, and, taking…
Read MoreWhat is a 1035 Exchange?
Do you have a current annuity or cash value insurance policy that is under performing or is not meeting your needs? Did you buy it years ago when life policies had no living benefits or annuities were limited to low fixed interest earnings? If you are on the lookout for a new policy, a 1035…
Read MoreWhere are Equity Markets Headed? A Roundup from the Experts
It seems equity market instability is taking over financial headlines again. With a trade war taking shape between the U.S. and a good portion of the rest of the industrialized world, analysts are once again reaching for—if not yet raising—their red flags. Market Watch recently featured this eyebrow-raising headline: “The Dow and S&P 500 are 10 trading days…
Read More5 Ways Annuities Can Protect You From Uncertainty of Stocks
As market volatility resurfaces, alternative retirement planning tools that eliminate risk with predictable, stable returns are gaining interest. Check out this Newsmax Article: 5 Ways Annuities Can Protect You From Uncertainty of Stocks | Newsmax.com
Read MoreIRS Announces 2019 Health Savings Account Limits
Ashlea Ebeling Forbes Staff The Internal Revenue Service announced new, higher contribution limits for health savings accounts for 2019 today, the same day a group of retirement experts debated the role of HSAs at the Employee Benefit Research Institute’s 83rd policy forum. “It’s a sad commentary that you can write a 200-page book about how these things…
Read MoreA Closer Look at Asset Based Long-Term Care
Many of us work forty years or more with the goal of retiring with the wealth necessary to enjoy our care-free golden years. We religiously contribute to our 401(k) and Roth IRA and work with financial experts to ensure we have a solid plan to provide an income-rich future. But the majority of us ignore…
Read MoreYear-End Financial Checklist for Smart Money Moves Before 2018
With the holidays upon us, many demands compete for our time. It can be hard to sit down and organize our financial lives as the year draws to a close. Indeed, it might appear easier to put off financial planning and review until the New Year. That being said, there are still money moves you…
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