By Ande Frazier, CFP®, CLU, ChFC, RICP, BFA™
Head of Vision and Brand at myWorth LLC

By now, many of us have heard about the benefits of keeping a gratitude journal. But have you thought about keeping a joy journal instead? Taking the time to acknowledge what we are grateful for every day allows us to get present to what we have rather than what we do not.

  pdf Read the complete article here. (85 KB)

By Shelley Bohlman, Marketing Operations Specialist

A typical person alive at age 65 can expect to live another 20.9 years, according to a February 2016 ASPE Research Brief. About 52 percent can expect to have a need for help with activities of daily living, commonly referred to as long-term care (LTC) services. Nineteen percent of this group will need care for less than a year and 14 percent will need care extending beyond five years. On average, individuals can expect to spend about $138,000 on LTC.

  pdf Read the complete article here. (231 KB)

By: Melissa Barnickel, CPA, CLTC

Many people have heard the wise advice, “Saving for retirement is very important,” and that you must “start early.” However, what many don’t factor into their calculations is the high cost of long-term care. With almost two out of three people needing long-term care in their lifetime, the price can be catastrophic. Contrary to popular belief, long-term care is not covered by Medicare or many types of health insurance. However, there are steps that you can recommend to your clients to protect themselves and their loved ones financially. By starting the conversation as to what their preferences are for care, you can help to evaluate their finances and create a plan. Here, we take a look at the true cost of long-term care by the numbers. 

  pdf Read the complete article here. (234 KB)

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For more than 80 years, WIFS has been committed to attracting, developing and advancing women in the insurance and financial services profession. Members, partners, exhibitors and sponsors benefit from connection and mutual respect for professional development and education-focused interaction rather than career opportunity promotion.