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Both Medicaid and Medicare were established on a federal level through the Social Security Amendments of 1965, which were initially signed into law by President Lyndon B. Johnson. Medicaid was intended to provide health insurance for people with low income while...

Most U.S. citizens become eligible for Medicare when they turn 65. They are typically automatically enrolled in Medicare Part A once they begin receiving Social Security benefits. Enrollment in Medicare Part B requires a more formal application process, as do the...

Although nationalized health insurance was initially proposed as far back as 1945 (by then president Harry Truman), it wasn’t until 20 years later that Lyndon B. Johnson would sign the Medicare and Medicaid Act into law. It was intended to address a challenge...

Yes – but for the most part seniors who are eligible for Medicare can find comprehensive and competitively priced health insurance within the Medicare framework. The expansions to the Medicare system in recent decades, most notably Medicare Part C (Medicare...

One of the most valuable gifts you can give to your children costs you nothing but your time and guidance – financial literacy. Explaining things like debt, borrowing and interest rates to your children at an early age won’t necessarily equip them with the knowledge...

There are many Phoenix-area workers and soon-to-be-retirees who understand the often precarious nature of generational wealth. If you’re experiencing restless nights worrying about both foreseen and unpredictable threats to the wealth you’ve spent a lifetime accruing,...

One of the few nearly universal desires held by a vast majority of Americans is to enjoy a worry-free retirement. Annuities are a unique long-term investment product tailor-made by insurance companies for the specific purpose of providing guaranteed income in...

Many investors, especially in times of uncertainty, rapid societal and financial change and inflation, seek out new or non-traditional avenues to grow or protect their portfolios. The traditional asset classes – stocks, bonds, real estate, cash equivalents and...

Nearly all investments fall into one of five broad asset class categories: Equities (stocks) Bonds (fixed income) Alternative assets (i.e., real estate) Commodities Money market (cash equivalents) True portfolio diversification often necessitates at least some...

There is no one-size-fits-all perfect retirement investment strategy. Although the destination of a stable, comfortable and worry-free retirement is universal, what that retirement ideal dream looks like is unique to each person. The path to reach that goal is equally...

Even the most financially stable households frequently struggle with debt, often because of life factors that are entirely out of their control or necessity. Things like medical debt are sometimes unavoidable. Other types of debts, like auto loans, home loans or...

Eight Steps to Prioritize Your Finances as You Head Toward Retirement Virtually every aspect of investment management or retirement planning can be debated. One of the few truths on which there is no debate is that choosing the path that leads to higher returns and...