Jul
21

Over 80 Senior Life Insurance for final expenses/funeral

By :   The Financial Talker - Tuesday, July 21, 2015

 


Do you have it planned? Do you have Final Expense Life Insurance? My grandmother has her burial spot all picked out and it’s right next to my grandfather. I think it gives her great co .. Read More

Jul
20

Do I need a financial advisor?

By :   The Financial Talker - Monday, July 20, 2015

Do I need a Financial Advisor?

Despite the increased amount and access to information, most people still need the help of a financial advisor.

People that lack one or more of the qualities to be able to do it yourself:
  • They don’t have the time
  • They don’t have the knowledge
  • They don’t have the desire
  • They don’t have the confidence

Without these qualities then you may be the ideal candidate for working with a financial advisor.       

A lot of people spend less time choosing a financial adviser than they do researching the purchase of a new vehicle.  

That new vehicle loses value when you drive it off the lot. When you’re choosing a financial adviser you’re choosing someone to assist you with your financial management for maybe the next 20 to 30 years.           

Independent Financial Advisor or financial Advisor from your Bank? 

It’s important to understand that leaving your cash with someone is different than investing your savings through someone. When you leave your cash in a checking or savings account, you trust the bank to protect your money.

However, when you invest your savings you are investing in a company or a business by holding a security issued by that entity. To select the security that is right for you based on your savings goals, you need sound investment advice which can only be provided by a person who is qualified, experienced, and licensed. Even when you are investing through a big bank, you should still be checking the background of the individual who is providing you with investment advice.

Another consideration is the investment products offered by the banks. Typically, one bank branch does not sell the investment products offered by another institution. If you currently have investments with one of the big bank branches take a look at your statement and you will likely see the mutual funds in your portfolio are those offered by that bank. These may be the best of the bank’s own products, but there may be other products in the market better suited to your individual needs and goals that you could get access to only through an independent financial advisor.

 

Looking for a fiduciary and independent financial advisors? Contact us at www.MintcoFinancial.com

We are Fiduciary Financial Advisors.

www.MintcoFinancial.com

 

Despite the increased amount and access to information, most people still need the help of a financial advisor.People that lack one or more of the qualities to be able to do it yourself .. Read More

Jul
06

We are Fiduciary Financial Advisors

By :   The Financial Talker - Monday, July 06, 2015

We are Fiduciary Financial Advisors

A lot of Americans want good financial advice. They just don’t know where to find it.

Studies have repeatedly shown that people who have a financial adviser fare better with their investments than those who don’t.

But how do we choose a financial advisor?

The best way to do that is to write out a list of questions in advance and make sure they are all answered before you meet your financial advisor for an interview. Here are some:

  • What are your professional credentials? Do you have portfolio manager status? (Only an estimated 4 per cent of advisers have this. Those that do have a fiduciary responsibility to always put the client’s best interests first.)
  • What is your investing philosophy? (You’d be surprised how many advisers skate around this one.)
  • What services does your company offer? (Some firms provide brokerage only, others offer a full range including portfolio construction, estate planning and tax return preparation.)
  • How would you structure a tax-effective portfolio for this client?
  • What would you consider to be a realistic target rate of return in view of this client’s risk profile?
  • May we see a sample of your reports? How often are they sent out?
  • Do be prepared to provide personal financial details. Any good financial adviser will ask all the details about your financial situation. No one can put together a proper financial plan without knowing all the relevant information. So go prepared.
  • A financial advisor acting as a fiduciary to you must act in your best interest all of the time. If they are aware that a superior option exists, they must advise you accordingly. If you are paying for something, you must know exactly how much. The business relationship simply has to be 100% transparent.
  • It’s important that you understand the advice you are receiving very clearly. The best advisor will understand your situation and can fit your investment plan to you, while explaining things clearly. Look for someone who is a professional counselor first and foremost, and not just a businessman and/or investor.

We are Fiduciaries

Mintco Financial Team of Independent Advisors is a Fiduciary and follows the Fiduciary standards:  

Trust - A client who trusts his financial advisor can be fully confident that he is receiving the best possible advice from the best possible advisor. Without trust, confidence cannot be achieved.

Loyalty - An advisor who is loyal to his clients will not be swayed by outside forces to recommend investments with commissions or payouts. With loyalty, clients can be sure their interests are placed first.

Disclosure - A client must know and understand how the financial advisor is being compensated for advice. Further, the client must know whether or not any conflicts exist that may cause a problem with that advisor’s ability to provide truly independent advice. Only with full disclosure can prudent advice be provided.

www.MintcoFinancial.com

 

A lot of Americans want good financial advice. They just don’t know where to find it. Studies have repeatedly shown that people who have a financial adviser fare better with their i .. Read More

Jun
06

Pay Funeral costs with Life Insurance

By :   The Financial Talker - Saturday, June 06, 2015

Pay Funeral costs with Life Insurance

Funeral costs are rising quickly. You can take care of funeral and memorial details so that your loved ones won’t have to pay more later.

According to the National Funeral Directors Association, an average funeral cost $8,560. Keep in mind we’re talking the cost of the funeral only. This figure doesn’t factor in the cost of a cremation or cemetery plot and marker or any other memorial expenses that more frequently bring the grand total to $10-$15,000 or more. 

Fortunately, there are several insurance policies specifically designed to ease the financial burdens and remove some of the stressful decisions that our families are left with after we pass. 

Burial Insurance is different than pre-paid funeral policies in that it’s a form of Whole Life Insurance offered by insurance companies independently of mortuary and funeral related merchandise and services. Burial insurance is sometimes marketed under different names, like Final Expense Insurance, but unlike traditional life insurance, it is usually offered with a very streamlined underwriting process which requires you to swear that you are neither ill nor in a nursing facility. 

Compare now the best rates in Life Insurance for Seniors: www.MintcoFinancial.com

Call 813 964 7100 ( We answer our calls personally!)

 

Funeral costs are rising quickly. You can take care of funeral and memorial details so that your loved ones won’t have to pay more later. According to the National Funeral Directors .. Read More


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