Feldt Financial Services LLC

10/21/2025

Myth: “I don’t need to plan for long-term care until I’m older.” The future is unpredictable: A person will never be younger or (and for most people) healthier than they are right now. Yes, older generations may need care. But cancer, strokes and accidents can happen to younger people, too. So, when’s an optimal time to plan for care? Before it’s actually needed

10/10/2025

Myth: “I can pay long-term care expenses out of pocket”
The truth: Self-funding can have a ripple effect on finances: • The longer care is needed, the more likely assets will be depleted • Withdrawing money in a down market can mean big losses • Generally more withdrawals = more taxable income and higher taxes • Generally higher reported income = increased Medicare premiums

08/16/2025

Term life insurance provides protection for a specific period of time (the term). This is often 10, 20 or 30 years. Term life insurance makes sense when you need protection for a specific amount of time--for instance, until your kids graduate from college or your mortgage is paid off.

08/08/2025

Did you know some long-term care protection can allow you to choose family and friends as your caregivers? Instead of relying only on professional services, some LTC protection can let you compensate loved ones for the care they provide, offering a more personal and familiar approach to daily activities. Do you know any caregivers in this situation? Drop your thoughts in the comments below.

08/01/2025

Do you know what long-term care protection can cover? Learn more with the helpful tips from the OneAmerica Financial Long-Term Care Planning Guide. https://www.oneamerica.com/content/dxp-oa/us/en/home/individuals/offerings/ltc/ltc-planning-guide.html

07/18/2025

07/15/2025

Agent Alicia Binsfeld, left, presents a check with the proceeds from her Richard Tobin Benevolence Award to Kristie Harren, principal of Sacred Heart School - Freeport, Minnesota.

"I have worked many years in Freeport, and Sacred Heart has always been a center of the community," said Alicia. "I went to a parochial school myself and feel it's an important part of building a solid moral foundation for young Catholic children."

Richard Tobin Benevolence Awards, established in 2006, are made possible through Catholic Order of Foresters’ Welfare and Relief Fund.

Each agent who earns the award chooses a Catholic parish, school, charity, or organization to receive a $500 donation!

07/15/2025

Talking to a financial professional today about how long-term care may help you avoid sticker shock later.

11/10/2024

The benefit of using life insurance as a toll to create multi-generational wealth – while ensuring your loved ones can move forward financially after your passing – can be priceless.