Blog Topics

Long Term Care Insurance

By Shea Newton | June 14, 2021

Long Term Care Insurance provides a benefit for your long-term care as you age. Long term care is the care you need when you cannot perform your activities of daily living (ADL’s). There are six ADLs associated with long term care. They are bathing, dressing, eating, transferring, toileting and continence. Usually, your long-term care insurance kicks in after you cannot perform two ADL’s or memory care issues.

Disability Insurance

By Shea Newton | June 7, 2021

Do you need disability insurance? Would you want to protect your largest asset? If so, then I would say yes, you need disability insurance. Your largest asset during your working years is your ability to make money. According to the Council for Disability Awareness, more than one in four of today’s 20-year old’s will be out of work for at least a year due to a disability before they reach full retirement age. That is an alarming statistic.

Life Insurance

By Shea Newton | June 1, 2021

Why do you need Life Insurance? Not everyone does need life insurance. You need to think about your current situation. For example, if you own a home with your spouse and you pass away tomorrow, would you want to make sure your spouse has enough money to not worry about the mortgage payment? What if you have kids—would you want to make sure there are some assets available for childcare while your spouse works in addition to having funds for the mortgage payment?

Emergency Fund – How Much?

By Shea Newton | April 21, 2021

Your Emergency Fund is your savings account that has no risk to principal—so it’s in cash. The purpose of your Emergency Fund is just as it sounds-for emergencies! Emergencies can be losing a job, unexpected home repair, illness, major car repair or your pet needs surgery—really anything that is completely unexpected.

529 Plan For College Savings

By Shea Newton | April 14, 2021

If you have kids and saving for their college is on your mind, I am sure you have heard of a 529 College Savings Plan. A 529 plan (named from the Internal Revenue Code Section 529) can be a great tool to help you save for those college years. Do you know there are 2 types of 529 plans? The 2 different types are a Pre-paid plan and a Savings Plan.

Are you self-employed? What are your retirement plan options?

By Shea Newton | March 15, 2021

You’ve built your business up and now you are at the point of having excess income and you think you should start saving some for retirement.


By Shea Newton | March 1, 2021

Whether you are preparing your income taxes yourself or you have hired someone to do them for you, you will most likely be seeing the question asking if you contributed to an IRA or ROTH IRA for the previous tax year.  By the way, you have until April 15th to make that contribution for the […]

What are Deductions?

By Shea Newton | February 19, 2021

I get this question a lot: “Can’t I just deduct that expense on my taxes?”  My answer to this question, 9 times out of 10, is that it depends.  Let us look at some basic concepts on your personal income taxes and your self-employed income below. Standard vs. Itemized Deductions You have your standard deduction […]

What tax forms do I need to complete my taxes?

By Shea Newton | February 4, 2021

It’s that time of year again and you are probably getting lots of emails or mail with different tax forms. What are the different tax forms you need and what exactly are they? Below is a list of common forms that you will need to include for your taxes:

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