Top Legal and Financial Services in Petaluma, CA 94975
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California LTC
By Marion Jacobs December 17, 2009
We had been considering long term care insurance for a couple years and then my husband at age 59 had a minor stroke. That scared us into taking action. Mr. Mcdonnel explained that my husband is no longer insurable and offered an annuity for my husband and a partnership policy for me for asset protection. Mr. Mcdonnel helped us with the paperwork and followed up with every question we had. Once he delivered the policy we felt secure that we now have the protection we should have gotten years ago. Having premium payments is never easy, it is better than the alternative. ...read more
California LTC
By L.R. Petersen September 22, 2009
We had talked with a few different insurance agents and even our financial planner and accountant. It was Mr. McDonnell who explained it best - our likely future of needing care and what we can expect from our current and future finances, insurances, and government programs. Once we understood the situation and all of our choices, making a decision was easy. Thanks to Mr. McDonnell our future is planned. ...read more
California LTC
By Anonymous September 22, 2009
In the three or four times we have talked with this company in the last year we asked lots of questions and never felt pressured. We finally decided on which plan is best for us. Now we have peace of mind that we won't be a burden on our children, physically, emotionally, and financially. ...read more
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We've just published a new edition of our newsletter! You can check it out on our website and get the latest information from California LTC. Let us know what you think! Read It Now Here ...read more
By California LTC December 21, 2009
LTCi Newsletter July 2009
Today's Best TipANNUITIES FOR ALL SEASONSThe economy has made fixed annuities a good investment.These are your fathers annuities, not the variable ones that are risky. Today's fixed annuity can be used for a short or long-term investment."Old-fashioned annuities (fixed immediate annuities) guarantee a set income for life and are much loved by the professors who study retirement planning. Yet the senior citizens who need them most shun them." (Forbes) Ask us which annuites are available in your state.We can also provide you with a great deferred annuity that has a long term care rider. In the event you need long term care you have 36 months of LTC benefits. Don't keep your "rainy day" money in a low-yield CD or money market. A fixed annuity with LTC benefits is both an investment and benefits if you need long term care. (Annuity w/LTC) 7 surprising ways to keep your brain youngIn each newsletter we are going to include tips on keeping your brain young. 1.Google.When you search the Internet, you engage key centers in your brain that control decision-making and complex reasoning – and these few clicks may be more mentally stimulating than reading, say UCLA scientists.Tip:Spend around 20 minutes a few days a week searching topics you've always wanted to learn more about regardless of how seemingly frivolous.2.Exercise.Yes, exercise can stave off or delay dementia — but did you know that regular workouts can actually reverse aging in the brain?Tip:As little as 50 minutes of brisk walking 3 times a week was found to have this brain-expanding effect.Where is the money going to come from?We frequently presnt the idea of long term care planning to financial planners for their clients. It goes something like this.The average cost for long term care is $6,000 a month for an average of 3 years, or $216,000 (more in some areas). Do their clients have an additional $6,000 a month income to spend on care?According to the GAO (Government Accounting Office) someone 65 or older has a 70% chance of needing care. If someone's house had a 70% chance of being severly damaged would you recommend they not insure if they could afford it? What if they had a 70% chance of having to spend $216,000 on medical bills, would you recommend they not insure and pay out of pocket?Financial advisors who are not recommending long term care insurance are telling their clients that it makes more sense to risk $216,000 than $2,160.This Month's VideoAlzheimer's rate to skyrocket as boomers ageWatch VideoLinks of Interest :"Double failure" at USA's hospitals, Too many people die needlessly at U.S. hospitals, according to a sweeping new Medicare analysis showing wide variation in death rates between the best hospitals and the worst.The future is going to happen whether you plan for it or not.Welcome New ClientsFrom NJ, NY, TN, WA, CA, OR, MN, TX, VA, FL, NH, MSCongratulations and we look forward to working with you.Check out our newLTC Guideorget a quote.Email:info@gtltc.comPhone: Toll Free 1-888-582-2464 ...read more
By California LTC September 22, 2009
LTCi Newsletter June 2009
Today's Best TipSAVE ON LTC INSURANCEStudy shows cheaper to start when young&healthy.;If you are 50 or older, most financial professionals agree that planning for the future potential risk of needing long-term care is a smart move. It's an even smarter move to save money on that protection and, with a bit of checking today, experts report that you can save a bundle each year.According to Jesse Slome, executive director of the American Association for Long-Term Care Insurance, "Each company sets their own pricing for protection and each has price variances that based on your age, your marital status and your health." The difference can be quite substantial. Benefits of Green Tea Continues to GrowA chemical found in green tea appears to slow the progression of prostate cancer, a study has suggested. Green tea has been linked to a positive effect on a wide range of conditions, including heart disease, cancer and Alzheimer's disease.The research, in the US journal Cancer Prevention Research, found a significant fall in certain markers which indicate cancer development.A UK charity said the tea might help men manage low-risk tumours.Deal of the month - Wissotzky Green Tea Is Something Better Than Nothing?Some people think that a 2 or 3 year plan is not worth getting, and a 4 or more year plan is too expensive. For a $150 a day benefit, a 2-year plan is $109,500 worth of insurance and a 3-year plan is a pool of $164,250. In 14.5 years (compounding) your daily benefit would be $300 a day, a 2-year pool would be $219,000 and 3-year pool is $328,500. By age 65 there is a 70% chance of needing care and by not buying LTC insurance you saved in premiums, but with the average cost today of $72,000 a year x 3 years = $216,000 will be spent out-of-pocket for care. Nursing homes in Metro areas can be over $100,000 a year. This Month's VideoKiplinger Financial's No-Nonsense Look at Long Term CareWatch VideoDownloadable Articles:Take(Long Term)Care, Don't overlook this part of retirement planningfrom Wall St. Journal - Smart MoneyLong-Term Care Insurance Is Also For the Wealthyby Harley Gordon, founding member of the National Academy of Elder Law Attorneys "In these days of economic uncertainty it is essential to have a sense of security and peace in terms of the future. Long term care planning is lifestyle preservation." Welcome New ClientsFrom NM, TX, OH, NJ, CA, VA, KS, MNCongratulations and we look forward to working with you. Check out our new LTC Guide or get a quote. Email:info@gtltc.comPhone: Toll Free 1-888-582-2464 (1-888-LTC-CHOICE) ...read more
By California LTC September 22, 2009