Posts by philwade

Retirement Planning Case Study #1

»Posted by on Sep 19, 2011 in Retirement Planning | Comments Off on Retirement Planning Case Study #1

George and Dorothy are 64 and 63 years old respectively. They have heard most of the conventional wisdom that was being passed about regarding how much money Baby Boomers who don’t have a pension would need to retire. People have been saying that you would need at least $1 Million or more. (The Wade Agency will perform a calculated projection of how your current retirement plans are likely to play out under the best and the worst of circumstances. There is no charge for this service and the projection can be run again anytime your circumstances change. Just contact us to set up an appointment). They’ve been married over 40 years and for about 20 of those years, Dorothy was a stay-at-home Mom. She then took on a job as an administrative assistant, which...

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Retirement Planning for Baby Boomers

»Posted by on Aug 26, 2011 in Retirement Planning, What Makes Us Different | Comments Off on Retirement Planning for Baby Boomers

Baby Boomers! A unique generation. We Boomers have  faced many challenges together. Now we’re confronted with the challenge of retirement planning – most of us within the next 10 years or less. These are turbulent times. We’ve been through turbulent times before. So what are some of the Retirement Planning Issues that confront Baby Boomers? (The Wade Agency will perform a calculated projection of how your current retirement plans are likely to play out under the best and the worst of circumstances. There is no charge for this service and the projection can be run again anytime your circumstances change. Just contact us to set up an appointment). Social Security Most of the experts believe that those of us who are 55 and older will receive our Social...

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Life Insurance: Universal vs Term

»Posted by on Aug 18, 2011 in Retirement Planning | Comments Off on Life Insurance: Universal vs Term

As a young man, I remembered being visited by Life Insurance Agents who told me how much life insurance I should have, but were not able to tell me the reason for their recommendations. These agents were usually about the same age as my parents and were members of the Great Generation who had endured the Great Depression and World War II and so I was not comfortable demanding an explanation for their recommendations. (The Wade Agency will perform a calculated projection of how your current retirement plans are likely to play out under the best and the worst of circumstances. There is no charge for this service and the projection can be run again anytime your circumstances change. Just contact us to set up an appointment). When I decided to become an insurance...

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The Benefits of Annuities

»Posted by on Aug 15, 2011 in Retirement Planning | Comments Off on The Benefits of Annuities

An annuity is an insurance policy that insures you against running out of money. The idea of an annuity has literally been around since the Roman Empire as a retirement plan for Roman soldiers. Annuities are widely used today in retirement plans, however you may be surprised to learn that they are not used the way the Romans used them. (The Wade Agency will perform a calculated projection of how your current retirement plans are likely to play out under the best and the worst of circumstances. There is no charge for this service and the projection can be run again anytime your circumstances change. Just contact us to set up an appointment). Fixed Rate Annuity Originally called an equity-indexed annuity, a fixed rate annuity or fixed index annuity generally...

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What is Long Term Care?

»Posted by on Aug 14, 2011 in Long Term Care Insurance | Comments Off on What is Long Term Care?

What is Long Term Care? Long Term Care is a term that encompasses all of the services that a person needs when he or she has lost the capacity for some of the Activities of Daily Living (known as ADLs in by the community of care givers, care administrators and Insurance Companies). The list of these activities is generally recognized as the following: Bathing Dressing Toileting Transferring i.e. to or from a bed, a chair or a wheel chair Continence Eating A personal situation that often results in the need for Long Term Care may or may not include the loss of the Activities of Daily Living mentioned above, but comes from the cognitive impairment that can come from Dementia or Alzheimer’s disease Loss of some of the Activities of Daily Living is seen as a loss...

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The Wade Agency proudly services Kansas and Missouri, including: Belton, Bonner Springs, Bucyrus, Clearview City, Cleveland, De Soto, Edgerton, Edwardsville, Eudora, Gardner, Grandview, Hillsdale, Kansas City, Leawood, Lenexa, Linwood, Louisburg, Mission, New Century, Olathe, Overland Park, Peculiar, Prairie Village, Raymore, Shawnee, Shawnee Mission, Spring Hill, & Stilwell, KS.

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