Tag Archives: Insurance

A Simplified Guide to Disability Insurance with Bart Spencer (Ep. 16)

June 28, 2023Education, Finances, Financial Advisor, Financial Planning, Retirement, Uncategorized, WealthBlue Barn Wealth, Disability, Disability Insurance, Financial, Financial Planning, Financial Stability, Income Protection, Insurance, Podcast, Risk Management, Your Path to Real WealthYour-Path-to-Real-Wealth

Have you ever thought about what would happen to your income if you suddenly became unable to work due to illness or injury?

Disability insurance can protect your income and provide a safety net for a time just like that.

In this episode, Jeff Brimhall, Ph.D., CFP®, CFA, and Benjamin Cummings, Ph.D., CFP® are joined by Bart Spencer (aka The DI NUT), Director of Disability Income and Long Term Care at Allegis Advisor Group. They break down how disability insurance works, including critical costs and benefits involved.

Bart discusses:

How to determine the amount of disability insurance you might need
Why an employer-sponsored group plan might not be sufficient to protect your income
The different types of coverage periods in disability insurance
Key features you should look for in a disability insurance policy
And more

Resources:

Council For Disability Awareness

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About Our Guest:

Bart Spencer is the Director of Disability Income and Long Term Care at Allegis Advisor Group. He is very involved in the insurance community and is known as “The DI NUT” because of his passion for disability income protection. Bart speaks regularly in industry meetings such as gatherings of the National Association of Insurance and Financial Advisors (NAIFA). He is past president of NAIFA Bonneville in Ogden, UT, and membership chair for the Utah NAIFA Association.

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What to Consider When Evaluating An Annuity with Jackson Bradley (Ep. 15)

June 14, 2023Education, Finances, Financial Advisor, Financial Planning, Retirement, Uncategorized, WealthAnnuities, Blue Barn Wealth, Budgeting, Fees, Financial, Fixed Expenses, Income, Insurance, Pension, Podcast, Portfolio Planning, Retirement, Withdrawal Rates, Your Path to Real WealthYour-Path-to-Real-Wealth

When considering whether an annuity would be worthwhile for you, some questions you might ask yourself are why would I choose an annuity over just having a taxable brokerage account? What benefits could it provide for me? How can I differentiate between the different types of annuities, and why would I go through all the trouble of getting one? How can an annuity relieve some of the income stresses I might face in retirement?

In this episode, Jeff Brimhall, Ph.D., CFP®, CFA, and Benjamin Cummings, Ph.D., CFP® are joined by Jackson Bradley, Consultant at DPL Financial Partners, to discuss what you need to know when it comes to annuities.

Listen as Jackson discusses:

The tax deferral you would get when using an annuity
What withdrawal rates look like with annuities
How annuities can be used as an income source with annuitizing
And more

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How To WIN At Insurance with Todd Erkis (Ep.10)

March 22, 2023Education, Finances, Financial Advisor, Financial Planning, Retirement, Uncategorized, WealthBlue Barn Wealth, Car Insurance, Deductibles, Dependants, Financial, Insurance, Life Insurance, Plan, Podcast, Portfolio Planning, Savings, Savings Plan, Spouse, Your Path to Real WealthYour-Path-to-Real-Wealth

Do you know what it means to “win” at insurance? If you’ve never thought about insurance in this light or have not considered how insurance can help during moments of high stress, you may want to tune in to this week’s episode.

In this episode, Jeff Brimhall, PhD, CFP®, CFA, and Benjamin Cummings, PhD, CFP®, talk with Todd Erkis, author and professor at St. Joseph’s University to discuss how you can reformat the idea of insurance in your eyes so that you have the protection you need, when you need it. From car to life insurance, it is important to know how these plans work so that you feel confident when the time comes to tap into this area of your portfolio.

Todd discusses:

When is the right time to lock in an insurance plan
How to understand deductibles and choosing the right deductible level
The right time to approach your insurance company with a claim
The decisions involved in life insurance and how to identify your needs
And more

Resources:

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Connect With Todd Erkis:

LinkedIn: Todd Erkis

About Our Guest:

Todd Erkis is currently living a lifelong dream teaching finance and risk management at St. Joseph’s University.

He is the author of “What Insurance Companies Don’t Want You to Know – An Insider Shows You How to Win at Insurance” available at Amazon.com.

He is also, a life actuary with experience in M&A, pricing, financial projections, annuity and life products including variable annuities (VA) and VA hedging.

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