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Four Components in Pricing Long Term Care Insurance

Four Components in Pricing Long Term Care Insurance

​ Published in Bradenton Herald: November 15, 2016 By GARDNER SHERRILL  |Investor’s Column November 15, 2016 4 Components in pricing Long Term Care Insurance ​November is National Long-term Care Awareness month, so in memory of my father who had Alzheimer’s, I thought I’d dedicate an article to this important subject. What is the cost of long term care insurance? As always in any complicated transaction – the answer is always “It depends”. There are four primary determinants that I will…

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Five Simple Ideas for Tax Efficient Investing

Five Simple Ideas for Tax Efficient Investing

​ Published in Bradenton Herald: September 27, 2016 By GARDNER SHERRILL  |Investor’s Column September 27, 2016 Five Simple Ideas for Tax Efficient Investing I’ve written fairly extensively over the past year about investing in expensive markets. If you believe, as I do, that the next five years may produce lower returns, then managing frictional costs becomes even more important. As we move quickly towards the year end of 2016 I thought I’d focus my efforts today on some strategies you…

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The Current Retirement Dilemma

The Current Retirement Dilemma

​ June 7, 2016 The Current Retirement Dilemma Retirement planning is largely about setting expectations, trying to manage risks or uncertainties and increase the probabilities of a successful retirement as it is defined by each client. The Society of Actuaries accounts for 15 risks overall which they published inthis hyperlinked report. For today’s purposes I’m going to concentrate on Longevity Risk and Sequence Risk. Longevity risk refers to the risk of outliving your assets, resulting in a lower standard of living,…

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Everyone has a plan until they get punched in the mouth

Everyone has a plan until they get punched in the mouth

​ February 23, 2015 Everyone has a plan until they get punched in the mouth As a CERTIFIED FINANCIAL PLANNERTM, I have always appreciated the irony in this quote by Mike Tyson. Don’t get me wrong; I am a big believer in planning especially when it is flexible and adaptive to change, but I feel our industry has turned a good tool into a bad product. In the following article I intend to go over some of the potential limitations of…

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Before you buy an annuity….

Before you buy an annuity….

October 20, 2015 Before you buy an annuity…. Investing Investing for your retirement can be a scary process. With all of the attention given to financial markets, it’s no surprise that one would want to escape the noise and settle for a “guaranteed withdrawal” or a “minimum return”. The truth is that there are no perfect investments; they all have their benefits and weaknesses. Annuities can help guarantee an income you can’t outlive but at what cost? They are complex structures…

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Wealth Makeover

Wealth Makeover

Updating your Wealth to Address Present and Future Needs ​Have you collected a mixed bag of assets over the years? ​Do they still serve the purpose they were originally intended to serve?​Do you need a Wealth Makeover?​​Many of my client acquire an enviable collection of assets, entities and titled accounts; some of which no longer make sense in their current stage of life. Continue Reading

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