Josh Krone - Designing Stronger Financial Solutions

01/20/2026

Start Planning TODAY for Long Term Care in the Future!

Starting in 2026, clients under the age of 59-1/2 will be able to use some of their qualified funds to pay for Long-Term Care Insurance premiums, without penalty. When qualified funds are used to pay premiums on a tax-qualified LTCI solution, the IRS is waiving the 10% early penalty. Please note, withdrawals are limited to the lesser of $2500 per year or 10% of the client's vested balance.

Call me for more info. 561-715-2281

04/15/2025

Do you have a parent or relative who is over the age of 65 and may have a Life insurance policy coming to end or is uneeded?

A Life Settlement may be the solution. A life settlement is the sale of a life insurance policy covering a person who is over 65. It presents a unique opportunity to extract the maximum value of a senior’s existing life insurance policy. Until recently, the owner of an unneeded or unwanted policy had two options – sell the policy back to the insurance company that issued it for its cash surrender value (if any) or allow the policy to lapse. By utilizing my firm’s services, those life insurance policies will be submitted throughout the secondary market. Each new offer generated through this process could result in more money for your policy

Sometimes, the original need for the policy has changed, and the premiums to keep it current have become a financial burden. This option should be considered whenever you’re over the age of 65, or with significant health challenges, and is considering surrendering or lapsing a life insurance policy. My firm can provide a FREE NON-BINDING APPRAISAL of any life insurance policy today.
I’m licensed in over 15 states. Call today! 561-715-2281

02/25/2025

09/18/2023

Latest life insurance research found:

Most workers have between 1 to 2 times their salary in employer-paid life insurance coverage, which is often the only life insurance they own. This is well below industry guidelines of 7 to 10 times salary.

More than 3 in 4 workers who lost their spouse prematurely five or more years ago still feel they have not fully financially recovered.

Eight in 10 Americans are concerned about being financially prepared in the event of a wage earner’s premature death, yet almost 9 in 10 don’t own enough life insurance coverage.

Call me and let's find solutions for you and your family.
561-715-2281

06/14/2023

$100 not spent is more like $143. Intrigued?
Stop Wasting Money.

One way to find money is to examine your current spending habits and eliminate money wasters.

04/11/2023

Would you like help creating Retirement Income that is TAX FREE? Give me five minutes of your time. Call me! 561-715-2281

03/01/2023

Women are financially savvy

March is Women’s History Month and International Women’s Day falls on March 8. As we celebrate women, here are some stats to know – 50% of households are headed by women, nearly $32 trillion of world-wide spending is controlled by women, and women often do better in the market than men, but not because of luck. Check out this infographic below for the reason why and to learn more facts about women and finances.
Let's set up a meeting to discuss your goals/needs.
561-715-2281

Women are financially savvy. Yet, there are still unique challenges working against women in retirement.

02/10/2023

Are you a Business Owner who has considered Group Health and Group Benefits for your office? There are some great advantages to starting one. The very least of which is paying less than your own individual health insurance policy. See this comparison. Have some questions? Call me. 561-715-2281

ADVANTAGES OF GROUP BENEFITS

For The Employer:
• Premiums are tax deductible
• Attract and retain employees
• Increase company morale and productivity
• Healthier Employees

For the Employee
• Financial Security
• Usually doesn’t require medical evidence
• Access to Products
• Healthier lives for themselves and their families

12/08/2022

Long Term Care (or LTC)....Do I Need It?

New article findings in a recently published LTC Consumer Market Survey. It captured a lot of great information, including:

18% - Only 18% of people have worked with a financial professional on long-term care planning strategies. Simply starting the conversation can help clients feel more comfortable discussing their concerns, which gives them the chance to present options.

79% - The percentage of people who expect either their partner or children to provide LTC care should they need it. Having family you can depend on is comforting; however, asking loved ones to become caregivers is not a decision that should be made lightly. Will they be able to take on these responsibilities in addition to their current workload? Do they even know this is the plan? Having LTC protection provides the flexibility to hire professional caregivers, allowing the family to “manage the care rather than provide the care.”

23% - When given a list of payment sources for unexpected LTC needs; and being told to select all that they thought would apply to them - only 23% of respondents selected LTC insurance.

• Personal savings was selected 63% of the time, and
• Social Security/Medicare 53% of the time.

Call me to discuss options. Planning now for the future will save you time, headache, stress and most importantly - Money!

Cell: 561-715-2281

10/10/2022

People have been asking me lately, what are some of the things that I do that can help them specifically. One thing that has struck a chord is - That I help create Retirement Income that is Tax Free. Is this something you want to know more about? Let's talk.
Cell: 561-715-2281

08/16/2022

Great piece about Financial confidence. Have questions? Let's talk.
Cell: 561-715-2281

If all it took to be more financially confident were to earn more, then people with the highest incomes would always be the most confident. But that's not the case.