Strategic Wealth Advisors, LLC

12/05/2021

According to sources: Mario Cristobal will be the next Head Coach at Miami Hurricanes Football 🙌🏽🏈

09/06/2021

Tom tells it to you straight. Access his expertise anywhere, anytime. Use the button below to subscribe, and receive his newsletter via e-mail

02/18/2021

‎Show Crump Insights, Ep Long Term Care Insurance with Rick Stewart: Product Innovation Opens New Opportunities - Oct 28, 2020

01/31/2021

Consider the consequences of needing some form of extended care.

11/16/2020

10/06/2020

October is Long-Term Care Awareness and Planning Month!

​Do you have a plan in place?
This month (and any month) seniors, and those soon to be seniors, and those acting on their behalf, are encouraged to develop a plan to help meet the high costs of extended care. For the most part, a majority of long-term care costs are not covered by most health insurance plans or Medicare. That is where planning for Long-Term Care becomes so important. I encourage families to explore long-term care planning options.

There are of course advantages to planning ahead before the need arises. By preparing for the future, you can make choices for how and where you wish to spend your later years. It also removes the burden from adult children and others to make choices for others, a task not often envied by most. Currently, Medicare only covers medical and rehabilitative care (doctors and nurses) and does not cover non-medical care including help with activities of daily living (ADLs). Medicaid will cover the cost of long-term care but only after an individual has depleted all their assets, and the choice of Medicaid facilities or Medicaid in-home services are very limited.

What is Long-Term Care?
Long-term care is a range of services and supports residents may need to meet their personal care needs. Most long-term care is not medical care, but rather assistance with the basic personal tasks of everyday life, sometimes called Activities of Daily Living (ADLs), such as:
• Bathing
• Dressing
• Using the toilet
• Transferring (to or from bed or chair)
• Caring for incontinence
• Eating

Why Plan Ahead for Long-Term Care?
• Long term care is a leading cause of catastrophic out-of-pocket health care costs for the elderly and their adult children.
• By planning ahead when seniors are in relatively good health, will greatly increase the chances of qualifying for Long-Term Care Insurance which will cover most, if not all, of their non-medical long-term care costs. Also the younger and healthier you are, the lower your premium costs could be.

Most policies sold today are comprehensive. They typically allow you to use your benefit in a variety of settings, including:
• Your home
• Adult day service centers
• Hospice care
• Respite care
• Assisted living facilities
• Alzheimer’s special care facilities
• Nursing homes

I am experienced and cerified in long-term care. For additional information call me at 954-295-7327.

09/30/2020

If you are between the ages of 50-70 and have not considered the consequences that needing some form of long-term care can have on your families, financially, emotionally and physically, you should. I am certified in long-term care and have great expertise in this area. There are affordable options available that can protect your family and can guarantee to pay you benefits whether you live, die, or quit. If you’d like to learn about this important topic call me at (954) 295-7327 and I would gladly help you understand how it works and about your options. There is no cost or obligation whatsoever. Please take me up on my offer while you are still young and healthy enough to take advantage of opportunities available to you. 3 out of 4 people want information about this important topic and I can provide it for you. This is my specialty and passion!

09/07/2020

September is Life Insurance Awareness Month. Here are the most common reasons to purchase and own life insurance:

1. Replace lost income
2. Mortgage protection
3. Pay for final expenses: funeral &
burial expenses
4. Pay for educational expenses
5. Pay off existing & future debts
6. Pay estate taxes
7. Business purposes: key-man
and buy-sell funding

Do you own enough life insurance and is it the right type? Call me for a complementary review of your existing policies: 954-295-7327

08/29/2020