You might be surprised to learn that most Americans are satisfied with their healthcare insurance But the rest are more than a little dissatisfied A vocal minority of health insurance policyholders are frustrated with their insurers for any number of legitimate reasons If you re in this group you don t want to miss today s show Lauren Gajdek joins us with details about an efficient affordable alternative to health insurance Lauren Gajdek is the Vice President of Communications and Media at Christian Healthcare Ministries CHM an underwriter of Faith Finance Why Are People Frustrated with Traditional Health Insurance Healthcare [... more]

Major changes are likely coming for the U S economy Will you be ready for them We have a new president who s pledged to overhaul the economy How will that affect investors and the markets Mark Biller joins us today with a plan for managing anticipated disruption Mark Biller is Executive Editor and Senior Portfolio Manager at Sound Mind Investing an underwriter of Faith Finance Learning from the Past Market Trends in ReviewBefore diving into predictions it s essential to recognize the value of reviewing recent market trends Forecasting is often unreliable so Sound Mind Investing focuses on building [... more]

When you want pithy quotes check out social media When you want words of truth look to the Bible But be careful not to get those two mixed up Some familiar sayings may sound like Bible verses but they re really not Today we ll find out why so many old saws really don t cut wood God Won t Give You More Than You Can Handle Of all the Bible verses that aren t actually in the Bible here s the most familiar one God won t give you more than you can handle This sounds great especially if [... more]

The Bible contains many accounts of God providing miraculously for His people but none are more fascinating than the story of the Widow s Oil That passage is found in Kings - it s just seven verses but they re loaded with teaching about God s provision Sharon Epps joins us today to unpack the story of the Widow s Oil and how we can apply it to our lives today Sharon Epps is the president of Kingdom Advisors FaithFi s parent organization Kingdom Advisors serves the broad Christian financial industry by educating and equipping professionals to integrate biblical wisdom [... more]

Many think that Solomon was the wisest man who ever lived and much of his God-given wisdom is about managing money On today's Faith amp Finance Live John Putnam will join Rob West to talk about the Money Moves of Solomon mdash so you can be just as wise Then Rob will answer your calls on various financial topics nbsp See omnystudio com listener for privacy information [... more]

Proverbs reads The prudent sees danger and hides himself but the simple go on and suffer for it The word insurance isn't in the Bible but it does say that it's wise to protect your financial holdings and insurance is one way to do that Understanding Essential Insurance PoliciesInsurance is a fundamental aspect of financial planning For most of us unless we have vast wealth diversified across numerous investments insurance serves as a critical safety net So what insurance policies are necessary Auto and Home InsuranceAuto insurance is generally required by law if you own a vehicle Homeowners insurance is [... more]

As if you don rsquo t have enough to do ndash here comes May And with it the graduations sports playoffs and end-of-school events that keep you hopping On today's Faith amp Finance Live host Rob West will talk about how you can avoid buying into the busyness Then he rsquo ll answer your questions on various financial topics See omnystudio com listener for privacy information [... more]

Why do reverse mortgages still have a bit of a PR problem Many people are not aware that federal regulations were put in place in to address issues with the product and protect consumers However some bad players still gave the product a bad reputation by taking advantage of vulnerable seniors in the past Now there are new laws and safeguards by the FHA for widows to be protected and financial assessments to assure someone can afford taxes and maintenance which are recent within the last years or so to eliminate problems in the program How is a HECM Home [... more]

CONSIDERING THE FUTURE POST-HIGH SCHOOLRob discusses the pressure high school seniors and their parents face concerning post-secondary education and emphasizes the importance of aligning educational choices with financial realities He stresses the goal of avoiding college debt through early savings exploring scholarships and considering alternatives to a four-year college such as technical schools online courses and military service Financial planning for education should begin early incorporating discussions about affordability and scholarships Exploring educational alternatives can provide viable paths that align with career goals and financial constraints Completing the FAFSA is essential for all college-bound students to assess eligibility for financial [... more]

Randy Alcorn is the author of over books on Christian Living and the founder and director of Eternal Perspective Ministries WHY IS MATERIALISM A CHALLENGE ESPECIALLY IN AMERICA Materialism is a significant challenge especially in America because it acts like a false god or idol as identified by Jesus This idolatry of materialism is often overlooked in our culture Accumulating possessions leads to being in orbit around our wealth even for Christians striving to honor God Materialism likened to a false god 'mammon' exerts a powerful hold over people's lives The accumulation of possessions creates a gravitational pull making us [... more]

You've heard it before the best time to buy Long Term Care Insurance is before you need it Now you may not have an option Thirteen states are considering taxing you if you don't have a long-term care insurance policy And as Peter with Richon Planning explains to Erin Kennedy he believes we will see more and more states adopt the tax However there are ways to prepare for the tax and for the cost of LTC Insurance Following the passage of the SECURE Act you may be able to buy LTC insurance directly from your K Distributions from those [... more]

Hans and Robby are back again this week with a brand new episode This week Hans and Robby discuss long term care life insurance Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com Find us on YouTube Cardinal Advisors [... more]

Hans and Robby are back again this week with a brand new episode This week Hans and Robby discuss lump sum long term care Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com Find us on YouTube Cardinal Advisors [... more]

More than of adults who live to will need Long Term Care of some kind Not only is LTC very expensive most costs aren't covered by Medicare nor other health insurance plans As Peter with Richon Planning explains to Erin Kennedy without proper planning this can wipe out your retirement savings but before you buy a policy first crunch the numbers to determine - What is the right age to buy LTC insurance -How Much Coverage to Buy -Should You Consider Other Options like Permanent Life Insurance There's a lot of advanced planning that goes into determining when or whether [... more]

Hans and Robby are back again this week with a brand new episode This week Hans and Robby have a discussion about long term care income tax Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com Find us on YouTube Cardinal Advisors [... more]

From our broadcast with special guest Hans Scheil host of the FINISHING WELL podcast [... more]

This week Hans and Robby discuss the whys and hows of long term care They go into detail on the things you really should consider when it comes to your long term care options Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com Find us on YouTube Cardinal Advisors [... more]

Hans and Robby are back again this week with a brand new episode This week Hans and Robby discuss the whys and hows of long term care They go into detail on the things you really should consider when it comes to your long term care options Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com Find us on YouTube Cardinal Advisors [... more]

This week Hans and Robby discuss long term care starter plans Hans and Robby go over much needed information to help you make sound decisions Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com Find us on YouTube Cardinal Advisors [... more]

Hans and Robby are back again this week with a brand new episode The topic this week is about how you can receive a guaranteed income for the rest of your life Hans and Robby will walk you through everything you need to know Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com Find us on YouTube Cardinal Advisors [... more]

Hans and Robby are back again this week with a brand new episode The topic this week is about dental coverage on medicare A somewhat rare occurrence but it can happen Hans and Robby gives some insight into this interesting scenario Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com Find us on YouTube Cardinal Advisors [... more]

Hans and Robby are back again this week with a brand new episode This week's show is all about making sure you cross the T's and dot the I's on your long term insurance claim application Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com Find us on YouTube Cardinal Advisors [... more]

The market's reaction to current events grabs daily headlines If your plan is long-term and only has money exposed to the market that you are comfortable taking some risk with and seeing fluctuate then volatility is just a natural part of the long-term investor experience and could potentially represent an opportunity for those properly positioned On the other hand there may be a time that even seasoned investors who understand this ignore the risks of the market when they shouldn't Listen this week as Peter Richon walks you through the concerns you may have for retirement and savings looking out [... more]

Enjoy the first ever episode of Finishing Well Most people have more difficulty accepting the possibility of incapacity than they do facing the reality of their own death The biggest consequences of failing to plan for long-term care are suffered by the family This episode will dive into the different types of long-term care insurance how Medicare covers long-term care and how to get a plan in place for long-term care coverage Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can [... more]

Hans and Robby are back again this week with a brand new episode This week's title is a mouthful for sure Luckily you have Hans and Robby here to give you a mind full of information to help you make informed and educated choices Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com Find us on YouTube Cardinal Advisors [... more]

The market's reaction to current events grabs daily headlines If your plan is long-term and only has money exposed to the market that you are comfortable taking some risk with and seeing fluctuate then volatility is just a natural part of the long-term investor experience and could potentially represent an opportunity for those properly positioned On the other hand there may be a time that even seasoned investors who understand this ignore the risks of the market when they shouldn't Listen this week as Peter Richon walks you through the concerns you may have for retirement and savings looking out [... more]

Hans and Robby gives you some things to consider when planning your future Enjoy as they drop some knowledge on you about funding long term care Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com Find us on YouTube Cardinal Advisors [... more]

Hans and Robby take a long term view at the types of concerns you may encounter as you get older We're talking things like heath care and finances for example Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com Find us on YouTube Cardinal Advisors [... more]

We take a close look at the insurance that allows you to stay in your own home Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com Find us on YouTube Cardinal Advisors [... more]

Hans and Robby discuss Hybrid Long Term Care Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com [... more]

Hans and Robby talk about income riders this week and how they provide one of the only guarantees in making sure you don't outlive your money Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com [... more]

Most clients who come to us saying they are self insured for long term care - but do you really know what this means Hans goes over what being properly self insured for long term care actually entails [... more]

Hans goes over the recent report released by the Department of Treasury about the status of long term care insurance in the United States He explains what they found what changes might be made and what it means for you Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com [... more]

Hans and Robby go over a specific long term care policy They also discuss why long term care is so personal to both of them Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com [... more]

Hans goes over what qualifies as qualified money as well as explains the advantages of this Then he tells Robby the story of a client he had any how he used his IRA in order to leave the legacy he wanted Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com [... more]

Hans and Robby break down a specific insurance policy on today's show This policy allows you to rollover your IRA money into a policy that will not only provide your family a benefit at your death but also provide long term care benefits for you and your spouse Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com [... more]

Hans goes over your options for paying for home health care even if you have some health issues and limited income The most important aspect of getting set up for long term care is purchasing it while you are in your 's or early 's Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com [... more]

You don't want to buy or can't afford to buy a traditional long term care insurance policy but you still want coverage Hans goes over your options for short term care and how some policies even pay for care at your home Having a year of coverage is much better than having no coverage at all It gives your family time to figure out a long term plan Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal [... more]

A lot of people have a bias against life insurance but as Hans says you need to look at the actual facts Hans and Robby go over term vs whole life insurance and the myths surrounding both of these They also discuss hybrid long term care insurance and the living benefits that come with it There are even living benefits to whole life insurance if you utilize it right that will provide tax-free income in retirement Life insurance can be abused but that is not a reason to be scared of it Don't forget to get your copy of The [... more]

Home health care is the most popular choice when asking people how they would prefer to receive long term care services It can also be one of the most expensive choices Hans and Robby talk about what you can do now to plan for this cost as well as how Hans helps people who don't plan ahead of time and are now in crisis They go over prices of policies you can purchase to cover home health care as well as other ways you can prepare for this expense Don't forget to get your copy of The Complete Cardinal Guide [... more]

The Secure Act was passed in Congress at the end of It changed a few things related to retirement including Stretch IRAs Stretch IRAs now have to be emptied after years Hans and Robby go through what this means how it affects you and even strategies to put into place so you can avoid ever worrying about this It is all for your family Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide [... more]

Ever meet someone who has so much knowledge that they end up sounding like a windbag Hans and Robby discuss how some consumer activists in the financial industry talk about life insurance and what they get wrong this week on Finishing Well Life insurance sometimes gets a bad rap - it is too expensive or a bad investment or you don't need it once you retire Hans goes over where he agrees with these people like about term insurance and where he disagrees People need life insurance in retirement What is your family going to do when you die This [... more]

If you look up the word Love and Father in Hebrew you'll notice the Hebrew symbol for household in the middle of each This week Hans and Robby talk about the love and stewardship behind long-term care for the sake of your household Robby talks about a woman who told him about her mother's declining health Originally she was going to have to take off work to take care of her mother A few months ago she was able to hire someone to help take care of her mother and it was a game-changer She said she was able to [... more]

This week Hans and Robby take the show on the road Hans is in Dallas at the Ed Slott Elite Advisor group for voluntary learning about everything IRAs Learn about all the new updates to IRAs as well as taxes distributions and beneficiary forms Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com [... more]

Paul on the road to Damascus was struck blind and Jesus said to him Why do you kick against the Goad Kicking against the goad causes pain It is meant to train for discipline you learn to not kick against it Hans is a goad for retirement planning especially for Robby You have to stop pushing off these issues and instead develop some discipline around getting your finances in order to finish well The largest goad people kick against in this instance is long term care insurance Before you need long term care insurance you need a plan for long [... more]

In Colossians Paul said Now I rejoice in my sufferings for you and in my physical body for the sake of his body the church I fill up what is lacking in the afflictions of Christ This week Hans and Robby listen to Tom as he discusses his personal experience with a health scare and needing an around-the-clock caregiver Tom said he had been experiencing bad headaches and unusual sleep patterns for a few days and wrote it off as work-related stress His wife eventually forced him to go to ER knowing something was wrong The doctors unable to find [... more]

Paul says in Corinthians If I speak in the tongues of men or of angels but do not have love I am only a resounding gong or a clanging cymbal We don't want to be gongs we want to have love but what does this love mean When you are nearing the end of your life the care you need will come from the people you love your family Hans and Robby discuss the ways to plan for this properly this week on Finishing Well When Robby was diagnosed with lymphoma years ago his thoughts were all about him and [... more]

We caregivers are often one broken leg away from this thing turning into a Greek Tragedy Life insurance is a big part of our journey as caregivers but what about if something happens to us that compromises our ability to serve as caregivers Can we make that life insurance policy work for us while we serve as caregivers Jerry Garrett - - called the show to discuss AFFORDABLE options for caregivers to provide a bit of extra peace of mind as we journey down the often hazardous path of caregiving Peter Rosenberger is the host of HOPE FOR THE CAREGIVER [... more]

Corinthians says But he said to me My grace is sufficient for you for my power is made perfect in weakness Therefore I will boast all the more gladly about my weaknesses so that Christ's power may rest on me It is hard for people to admit that they might need long term care one day it means they will be weak While people have no problem accepting they are going to die and know that life insurance will be needed in this situation it is much harder to accept the idea of becoming reliant on someone else in their [... more]

John is considered the comfort chapter saying And if I go and prepare a place for you I will come back and welcome you into My presence so that you also may be where I am Jesus has a place for us for long long long term care we just have to make the decisions now to get into this place in the kingdom This week Hans and Robby discuss couples who have recently purchased long-term care insurance products and the different strategies they are using to cover this expense There is no cookie cutter approach to the way that [... more]

Long Term care is not something that just you have to worry about Your spouse your children your siblings your nieces and nephews and even your close friends might feel the impact of a long term care crisis It is better to plan now to make it as easy as them as possible The holidays when everyone is together could be the perfect time to at least start these conversations Hans and Robby discuss the intimate conversations we need to have with our family and friends surrounding long term care situations It is very hard and a lot of people [... more]

In Acts - the people were so mad at Stephen that he was stoned to death Buy what did Stephen say that angered the people so badly He told them you can't save yourself When finishing well it is so important to remember this lesson In the last months or years of your life the likelihood is that you will not be able to do everything yourself While many people have family come in and help them like Robby talks about doing with his father sometimes it is the better option to receive professional help This is where long-term care [... more]

Jeremiah says This is what the Lord says 'Stand at the crossroads and look ask for the ancient paths ask where the good way is and walk in it and you will find rest for your souls ' A lot of people planning for long-term care don't ask where the good way is This week Hans and Robby discuss misconceptions or urban legends surrounding how Medicaid pays for long-term care While Medicaid will pay for long-term care it takes a lot to get to this point and giving away all your money is not going to automatically qualify Medicaid-paid long-term [... more]

Proverbs Chapter Verse says Wisdom calls aloud outside This episode Hans and Robby will give you some wisdom to help your family Medicare does not pay for long-term care insurance it says this in everyone's Social Security Earnings Report The message of this episode is not just go out and buy long-term care insurance the message is that long-term care is a part of your entire financial plan You need to look at your entire financial situation before figuring out what the best long-term care insurance is for you Hans tells a story about a client was convinced that instead [... more]

Most people have more difficulty accepting the possibility of incapacity than they do facing the reality of their own death The biggest consequences of failing to plan for long-term care are suffered by the family This episode will dive into the different types of long-term care insurance how Medicare covers long-term care and how to get a plan in place for long-term care coverage To learn more or get the long-term care chapters of Hans' book The Complete Cardinal Guide to Planning for and Living in Retirement visit CardinalGuide com Hans can be contacted at Hans cardinalguide com or - [... more]