Veterans Home and Life Agency

05/13/2022

Hello! My name is Patrick McGrath and I am the Insurance Agent for Veterans Home and Life Agency. I served in the Army reserves from October 2009- July 2013, then active duty from July 2013-November 2017 as a logistics officer. I served as a Plans Officer (wrote the Operations Orders for the Battalion (around 900 soldiers), Battle Captain (controlled the headquarters on the regimental support area-around 500 soldiers), Company Executive Officer, Battalion S3 Officer, Battalion Maintenance Officer and Platoon Leader. I was also stationed at Ft. Hood from November 2014 to November 2017. I was retired as a Captain after my assignment at Ft. Hood, and decided to make Central Texas my permanent home with my wife (common law married) and 6 children.

Besides being an insurance agent, I wear a lot of different hats. I own and operate; McGrath Contracting and Landscaping, McGrath Property Management ,Veterans Security (private security company), and I am a Texas Real Estate Agent with RE/MAX Homestead. You can follow my page Patrick McGrath: Realtor in the State of Texas for more real estate info. I owned All in Poker club here in Copperas Cove until I sold it in 2020. I also hold a biology degree with a concentration in Pre Med and a minor in chemistry.

I decided to add the title of “insurance agent” to my repertoire to "protect families from additional hardship from financial insecurity during the hardest moments they will face" and definitely not to make more money.

I appreciate the Central Texas area as well for the no state income tax, low regulation for my businesses from the state government, the weather, and the low traffic we enjoy!
Most of my hobbies outside of running my businesses involve my family. I love spending time with my kids playing sports, making science experiments, building things, random games they made up, and just enjoying time with my tribe. You may find us at Texas Roadhouse sometime, as that is my favorite place to eat!
Thank you for visiting our page and I hope you decide to trust my agency with all of your insurance needs. Please Contact me for any of your real estate or insurance needs!

Veterans Home and Life Agency
☎️(254) 350-0787
📧[email protected]
📸IG:
👍FB:
www.veteranshomeandlife.com

Patrick McGrath
U.S. Army Captain (Retired)
Owner Elite Security LLC
Owner McGrath Insurance
Owner McGrath Contracting and Landscaping
Owner McGrath Property Management
REALTOR®
Re/Max Homestead
Cell: (781)-588-0549
Office: (254)-350-0787
Licensed Realtor in the State of Texas
Licensed Property and Casualty Insurance agent in the State of Texas
https://www.facebook.com/patrickmcgrathrealtorinthestateoftexas/

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02/28/2022

Let's end the month focused on Health and Wellness! Check out this Newsweek article on simple lifestyle changes you can make in 2022!

"Simple Lifestyle Changes You Can Make To Feel Better in 2022:

The beginning of the new year is a time to take stock and consider lifestyle changes that will stand us in good stead for the future.

Taking care of ourselves, both physically and mentally, is crucial to our well-being. With the COVID-19 pandemic showing little sign of easing any time soon, this is more important now than ever.

But what simple health and lifestyle changes can we all make to help us stay mentally and physically healthy in 2022? Newsweek asked diet, fitness, psychology and wellness experts for their top tips as we enter the new year.

💪Habit stacking and breaking bad routines
🤠Focus on behaviors you can control not outcomes
😴Keep changes simple—and get to bed early
🚶Take walks
😍Start a self-compassion practice
🧐Exercise and balanced meals

Click below to find out more!

Veterans Home and Life Agency
🏡2702 E. Hwy 190
Copperas Cove, TX 76522
☎️(254) 350-0787
📧[email protected]
📸IG:
👍FB:
www.veteranshomeandlife.com

Follow for more information and tips!



https://www.newsweek.com/simple-health-lifestyle-changes-healthier-feel-better-2022-1662244

Newsweek asked diet, fitness, psychology and wellness experts for their top tips as we enter the new year.

02/25/2022

🤓Let's end the week with another article on retirement. A lot of question people ask is, how do I know how much I need and how long will it last? This of Omaha article gives some insight and advice on how to make your retirement last.

"How Long Will My Money Last in Retirement?

Everyone dreams of their retirement. You’ve probably had a “dream retirement” scenario in your mind for a long time. Maybe you want to travel or pursue a life-long passion. Whatever your goal, you’ve likely been saving towards it for most of your adult life. But imagine getting to retirement and realizing the money you’ve saved won’t last long enough or isn’t enough to allow you to do the things that you planned to do in retirement.

This scenario is probably the biggest single concern of retirees: running out of money. It doesn’t seem to matter how much money they have; the thought of not generating any outside income and living for many years off of an existing pool of assets and Social Security strikes fear in the hearts of many Americans.

That’s where a financial advisor can help. Making your money work harder in retirement is one of their primary jobs. They spend many hours studying and learning about how best to accomplish this goal and stay abreast the many tools and techniques that have been developed over the years to better understand this issue.

Some of these tools are nothing but sales pitches in disguise. Others are so complicated that many planners don’t even understand them fully (i.e. “Monte Carlo simulations”).

Effective retirement planning is not a “set-it-and-forget-it” discipline either. A financial plan for someone who is in the distribution phase of their lives is one that calls for continuous monitoring and adjustment, as well as attention to the markets, economy and political environment.

Still, all good plans to make your money last longer in retirement rely on a few key variables:

1. Getting the spending part right.
2. Understanding the total value of your liquid assets.
3. Correctly estimating the expected growth rate of your investments."

Click below to find out more!

Veterans Home and Life Agency
🏡2702 E. Hwy 190
Copperas Cove, TX 76522
☎️(254) 350-0787
📧[email protected]
📸IG:
👍FB:
www.veteranshomeandlife.com

Follow for more information and tips!



https://www.mutualofomaha.com/advice/be-ready-for-retirement/how-long-will-my-money-last-in-retirement

Everyone has big plans for retirement. Unfortunately, sometimes finances can hold you back from achieving your goals. Here are 3 ways to make your money last.

02/23/2022

Noticed a trend this week? We are wanting you all to know more about retirements this week. Here are more tips from of Omaha on that subject below!

"3 Ways to Help Boost Your Retirement Account:

Are you playing catch up on saving for retirement? Do you wish you would have started saving sooner? While investing early in your retirement accounts is good advice, there are still ways to grow your retirement savings as you get closer to retirement age.

Since you can’t go back in time and start saving sooner, here are three things you can do to help boost your retirement account balance:

Get a status update
Save more
Trim your day-to-day spending
Make sure you’re on the right track

Click below to find out more!

Veterans Home and Life Agency
🏡2702 E. Hwy 190
Copperas Cove, TX 76522
☎️(254) 350-0787
📧[email protected]
📸IG:
👍FB:
www.veteranshomeandlife.com

Follow for more information and tips!



https://www.mutualofomaha.com/advice/be-ready-for-retirement/3-ways-to-help-boost-your-retirement-account

Are you nearing retirement age and wondering how you can be best prepared? Try these tips to help boost your retirement accounts.

02/21/2022

Feel like you are behind on your retirement savings? Check out this Mutual of Omaha article on how to get caught up no matter how late you may be!

"5 Retirement Catch-up Tips:

Are you approaching 40 with no retirement savings? Are you getting ready to retire and hoping to sock away a little more money? Regardless of your situation, if you’re starting to think “I may not be able to afford my weekly golf game when I quit working,” these tips can help you catch-up on retirement.

Before you start catching up, it’s important to know where you stand. Use a calculator to figure out if your current retirement savings are enough and how much income your current 401(k) savings will provide. Then, compare that to your monthly living expenses."

Click below to find out more!

Veterans Home and Life Agency
🏡2702 E. Hwy 190
Copperas Cove, TX 76522
☎️(254) 350-0787
📧[email protected]
📸IG:
👍FB:
www.veteranshomeandlife.com

Follow for more information and tips!



https://www.mutualofomaha.com/advice/be-ready-for-retirement/5-retirement-catch-up-tips

Are you approaching 40 with no retirement savings? Are you getting ready to retire and hoping to sock away a little more money? These 5 retirement catch-up tips can help you catch up on retirement savings.

02/18/2022

More healthy living articles, but today we are more focused on senior health. Mutual of Omaha gave us a great resource below!

"How to Stay Healthy at Every Age: 50+:

You’ve seen the idea of “healthy” change through the years. In fact, in many ways, your generation has helped shape and transform the definition. The Health + Wellness 2017 study reports on how even now different generations think of health and wellness in unique ways. For Boomers, being healthy generally means “having the energy for an active lifestyle.

But health isn’t just one thing – it is a combination of physical and mental well-being. It is also completely subjective, meaning that healthy to you may not look the same as healthy to your spouse or neighbor. The diet that worked for your friend may not yield the same results for you, and that’s ok! No weight, look or diet can make you “healthy” and finding what works for you is key!

If you’re wondering how to stay healthy, think about your life in two categories: physical and mental. Aspects of physical health include things like your activity level, stamina, and body health. Mental health can include your emotional wellbeing, happiness and satisfaction with life.

Click below to find out more!

Veterans Home and Life Agency
🏡2702 E. Hwy 190
Copperas Cove, TX 76522
☎️(254) 350-0787
📧[email protected]
📸IG:
👍FB:
www.veteranshomeandlife.com

Follow for more information and tips!



https://www.mutualofomaha.com/advice/live-a-better-healthier-life/how-to-stay-healthy-at-every-age-50

Being healthy is on the wish list of many. But how do you achieve and maintain it? Consider this advice for how to help you stay healthy as you age.

02/16/2022

We want to help make your life easy and save you money! Check out this of Omaha article that talks about just that!

"9 Easy Moves to Save You Time and Money:

Back in the day, TVs were all basic black-and-white sets with on-off k***s and a choice of four channels. People saved money in a bank account, carried a department-store charge card, and could fit all their important papers in the proverbial shoebox.

Today’s big-screen entertainment centers come with hundreds of channels and multiple remotes. Likewise, consumers are free to choose among a vast array of financial products and services. That’s a boon to your finances, but it also makes life more complex and can become overwhelming. To save time and money, we suggest that you think one and done: one credit card to maximize your rewards points, one financial advisor that could address all your financial needs. Even if you make only one or two of our nine moves, you’ll cut your stress and have more time to kick back – and you may save money, too. And who hates having more time and money back in their life?"

1. Carry just one credit card in your wallet
2. Use a single insurer
3. Create one master password
4. Store your files in one place
5. Get your bank to pay your bills
6. Consolidate retirement accounts
7. Pick one broker or fund firm
8. Invest in an “all-in-one” fund
9. Sign up once and forget it

Click below to find out more!

Veterans Home and Life Agency
🏡2702 E. Hwy 190
Copperas Cove, TX 76522
☎️(254) 350-0787
📧[email protected]
📸IG:
👍FB:
www.veteranshomeandlife.com

Follow for more information and tips!



https://www.mutualofomaha.com/advice/live-a-better-healthier-life/9-easy-moves-to-save-you-time-and-money

Looking to save time and money? Who isn't these days!? These 9 moves can help you find more time in your day and save some money along the way.

02/14/2022

We want all of our clients to live healthy and happy! Which is why we want to share more good habit articles filled with tools you need to reach your healthy living goals! Since today is Valentines Day, we will focus on Heart Health😍

Mutual of Omaha has a great article on Heart Disease Prevention, check it out!

"3 Tips for Preventing Heart Disease:

Most of us know someone affected by the symptoms of heart disease. But did you know it’s the leading cause of death in the U.S.? About 735,000 Americans have heart attacks every year.1

That means that heart health and wellness are important issues to think about.

You can take steps to help prevent heart disease and heart attacks by adopting healthy behaviors and habits that can lower your risk."

Tip 1: EXERCISE
Tip 2: Eat a lean and balanced diet
Tip 3: Know your health!

Click below to find out more!

Veterans Home and Life Agency
🏡2702 E. Hwy 190
Copperas Cove, TX 76522
☎️(254) 350-0787
📧[email protected]
📸IG:
👍FB:
www.veteranshomeandlife.com

Follow for more information and tips!



https://www.mutualofomaha.com/advice/live-a-better-healthier-life/3-tips-for-preventing-heart-disease

If you’re looking for ways to prevent heart disease, here are three tips to help lower your risk.

02/11/2022

"How much life insurance do I need?

The amount of life insurance you need is unique to your situation and subject to change over time. “How much life insurance do I need?” could easily be translated to “how much will my family or loved ones need to be secure if something happens to me?” The answer to how big of a policy you need, or how much your life insurance should pay out in the end, lies in the number that will allow your loved ones to be financially secure.

There are many “rules of thumb” and formulas that people use to come up with the amount of life insurance they need. Some are as simple as having a policy that is worth 7-10 times your salary, while others are more complex. To keep it simple, but not too simple, answer these basic questions to help you start to identify your needs:

🤓Do I have people who rely on my income? How many?
🧐How much debt do I have?
🤑What are my family’s monthly living expenses?
👩‍🎓Are there any ongoing expenses, like college education or special care that you need to pay for?

Once you have these answers, you can multiply the amount of living and family expenses by the number of years you want the money to last. This will help you start to get a picture of what your policy should be worth to continue supporting your family."

Click below to find out more!

Veterans Home and Life Agency
🏡2702 E. Hwy 190
Copperas Cove, TX 76522
☎️(254) 350-0787
📧[email protected]
📸IG:
👍FB:
www.veteranshomeandlife.com

Follow for more information and tips!



https://www.mutualofomaha.com/advice/understand-how-life-insurance-works/how-much-life-insurance-do-i-need-2

The amount of life insurance you need depends on your unique situation. Find out how to calculate yours.

02/09/2022

Having life insurance is great, but it's important to make the right choices to hold off on having to use it! Mutual of Omaha posted a wonderful article for families. Check it out!

"Eating Healthy on a Budget: 4 Diet and Wallet Friendly Recipes:

Eating healthy doesn’t have to mean spending more on food. With a little planning and smart shopping, it can be a breeze to eat healthy meals and snacks without busting your family budget.

Healthy meal planning tips
A great way to save on costs while eating healthy is simply to plan ahead. Take a few minutes to think about your meals for the week. Shop the sales at your local grocery store and see where you can use ingredients in more than one dish. A meal plan also helps make a concise grocery list which can keep you from over purchasing for the week – saving you money and reducing waste. Pull your cookbooks or search online to find easy recipe ideas. Grab your calendar and write meal ideas for each day of the week. Pinterest is also a great place to find sample meal plans for the week for families of all sizes."

Click the link below for more!

Veterans Home and Life Agency
🏡2702 E. Hwy 190
Copperas Cove, TX 76522
☎️(254) 350-0787
📧[email protected]
📸IG:
👍FB:
www.veteranshomeandlife.com

Follow for more information and tips!



https://www.mutualofomaha.com/advice/live-a-better-healthier-life/eating-healthy-on-a-budget-4-diet-and-wallet-friendly-recipes

Healthy eating doesn’t have to break your budget. Try these budget and wallet friendly grocery store tips and recipes.

02/07/2022

This week we are focused on life insurance. of Omaha explains some events in life where life insurance may help.

"7 Life Events Where Life Insurance Can Help:

As your life changes, so do your life insurance needs. To help protect your family, you’ll need a plan that offers flexibility.

The first factor you’ll want to consider is whether to choose a term or permanent life policy. Term life insurance offers an economical way to make sure your family has financial cover if you should pass away unexpectedly – but by definition, it comes with a time limit. Many people who choose term life are comfortable knowing they’re covered for 20, 30 or 40 years, and don’t really want more than that basic, bare bones safety net.

Permanent policies (which include Indexed Universal Life Insurance) work differently. This type of life insurance tends to cost a little more, but you may also get more from it. As long as you keep up with the premiums and keep your policy in force, you’ll never lose the protection of your life insurance backup plan.

What’s more, these policies typically accumulate “cash value,” which you can access through policy loans or withdrawals – generally without paying any taxes or penalties.* That’s a source of income that can come in handy during one of life’s unexpected emergencies. And with a specialized policy such as Indexed Universal Life, you can accumulate cash value at a rate of return that’s linked to a market index.

Most important, permanent policies can keep you covered for your whole life, at every step along the way, but especially during seven significant life events."

Veterans Home and Life Agency
🏡2702 E. Hwy 190
Copperas Cove, TX 76522
☎️(254) 350-0787
📧[email protected]
📸IG:
👍FB:
www.veteranshomeandlife.com

Follow for more information and tips!



https://www.mutualofomaha.com/advice/understand-how-life-insurance-works/7-life-events-where-life-insurance-can-help

Have you ever wondered, “Do I need life insurance?” Consider these 7 life events that help answer that question.

02/04/2022

Living a healthy and happy life is a common goal for most people. It is important to have the plans in place for if something does happen to you or a loved one, as well as taking care of yourself in the process to prevent what you can. Our partners at Mutual of Omaha have great tips on this, as well as the following article to ensure your family is protected.

"5 Skin Health Tips for Skin Cancer Detection and Prevention:
More than 5 million skin cancer cases are reported in the United States each year, making it the most common form of cancer in the United States. Of those cases, an estimated 91,270 people are diagnosed with the most lethal form of skin cancer, Melanoma. While Melanoma only makes up about 1 percent of all skin cancer cases each year, it accounts for the most deaths.1

But there’s good news! There are things you can do to help prevent it. No one is invincible, so it’s important to not only care for your skin for skin cancer prevention, but also to check your skin regularly to detect signs of it."

Click below to find out more!

Veterans Home and Life Agency
🏡2702 E. Hwy 190
Copperas Cove, TX 76522
☎️(254) 350-0787
📧[email protected]
📸IG:
👍FB:
www.veteranshomeandlife.com

Follow for more information and tips!



https://www.mutualofomaha.com/advice/live-a-better-healthier-life/5-skin-health-tips-for-skin-cancer-detection-and-prevention

A library of articles on Financial Planning. Get advice on retirement planning and choosing the right insurance plan.