Moffat Financial

05/09/2026

Have life insurance with Primerica? DM for a complimentary policy review!

02/04/2026

My friend just posted this in a group chat. While I'm not a big fan of Primerica having something in place is ALWAYS better than having nothing in place. This shows how important it is to have life insurance and make sure you don't let it lapse! If you don't have a policy in place currently, let me help you get something in place to protect your family! If you currently have something in place I am glad to do a complimentary policy review with you and make sure you're getting the best price possible and the correct amount of coverage for your needs.

09/09/2025

05/31/2024

Be sure to check out Episode 5 of The Financial Advocacy Podcast if you didn't get a chance to catch it live!

An initial discussion on the terms, conditions, and tax traps of IRS qualified plans.IRS spreadsheet historical tax tables since 1913:https://www.irs.gov/sta...

05/03/2024

Here's the link for the very first episode of The Financial Advocacy Podcast featuring myself David H. Kinder and Curt Gibbs! Be sure to check it out, leave a comment/feedback for us and be sure to like, share and subscribe to the channel!

https://www.youtube.com/watch?v=VPN_evi9Ghk

03/28/2024

PSA: If you have a Medicare Supplement/Medigap and haven't shopped it in a while, you definitely should!

All lettered Medicare Supplement plans A-N are EXACTLY the same by law, regardless of which insurance company you have, the only difference is the premium!

I just saved a couple $600/yr on their premium and several individuals over $1,000/yr each! 🎉🥳

12/09/2023

The accumulation phase (savings years) is only the end of the beginning, whereas the distributions from your savings must last until the end.

Distributing assets in a way that ensures that you get the most out of your retirement without running out of money can be a difficult balancing act, and should be taken even more seriously than accumulation.

Distribution during the retirement side of the mountain requires a totally different set of tools.

12/01/2023

Just finished helping 2 people enroll in their Medicare Prescription Drug Plan for next year.

Don't forget AEP ends on Dec 7th!

Feel free to reach out if you still need to get this taken care of or have any questions!

12/01/2023

Has your fiduciary advisor recommended an income tax-deferred retirement strategy?

Have they conveyed that, depending on your location, you will be seventh in line to receive your money?

1. Federal income tax
2. State income tax (if any)
3. Municipal income tax (if any)
4. Income taxes on your social security benefit
5. The increase in your Medicare premium.
6. Fiduciary advisor fee?
7. YOU!

06/07/2023

Oops🤷‍♂️🤦‍♂️

(Reuters) -Vanguard Group, the world's largest issuer of mutual funds, was fined and censured by the Financial Industry Regulatory Authority (FINRA) for errors appearing in about 8.5 million customer account statements. FINRA, Wall Street's self-regulatory organization, said in a filing signed last....

06/01/2023

While I believe that a properly designed life insurance policy is the cornerstone for financial planning, there are other important policies, such as a "critical illness policy" that I believe everyone should consider as well.

These policies can be issued from ages 0-99 and are designed to pay anywhere from $5,000.00 all the way up to $100,000.00 in CASH directly to YOU in the event that you are diagnosed with a critical illness (typically cancer, heart attack, stroke, kidney failure or major organ transplant). They are also EXTREMELY affordable as well for the amount of benefit they provide.

The cash benefits you receive from these policies can be used for whatever you'd prefer to use them for as well. This is important because it's not just the medical bills that can add up, but also missed time off of work, travel expenses, medications and many other miscellaneous expenses most people never consider.

Nearly every day as I scroll through Facebook, and other forms of social media, I see either someone I know, or a friend/family of someone I know that's recently gone through it themselves or knows of someone who is or has gone through one of these things. As someone that is able to offer these products I feel that it's my responsibility to at least make everyone I know aware that these products are available to you.

Obviously no amount of money will make everything suddenly better or go away, but I'm certain that having even an extra $10,000.00-$20,000.00 would certainly help with taking care of the added expense that goes with things like this.

Feel free to reach out for a quote, or if you'd like more specific information based on your particular situation and needs. ❤️