Life insurance is a critical component of sound financial planning, and yet life insurance is one of the hardest financial products to understand. Some financial planners advocate permanent life insurance policies with cash value components. Others

Short-term thinking almost always leads to poor investment decisions. Too often, investors get out of the market during difficult times, only to get back in after the market has rebounded. This tendency to essentially buy high and sell low

The life change of retirement may be positive experience only if it is seen not as an end but as redirection of activities and interests. By all means plan for changes and for new beginnings. Always think creativity and involvement and don’t fall into