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The Winter Blues Travel Savings Tips WINTER 2020 LIFE INSURANCE AND LONG-TERM CARE: IT’S ABOUT FAMILY HIT THE SLOPES AT THESE FAMILY-FRIENDLY SKI RESORTS WAYS TO BEAT 9 THE WINTER BLUES SIMPLE & SMART TRAVEL SAVINGS TIPS A LETTER FROM OUR OFFICE DEAR CLIENT, It’s hard to believe that 2019 has already come and gone. What a great year it was, and we’re so honored we were able to serve you and your family. And now that 2020 is underway, we hope you had a joyous holiday season and a great winter thus far! Winter, along with a new year, reminds us of many things to be grateful for like family, new beginnings, and a slower pace of life. For our first seasonal newsletter article in 2020, we wanted to focus on you and your family. Our leading article highlights the importance of long-term care (LTC) insurance and life insurance for you and your family, along with reasons one may consider a policy. In our second article, we hit the slopes to find some of the best family-friendly ski resorts in America. We combined personal knowledge with hours of research to highlight four great options to consider on each coast for your next mountain trip. Then, with winter well underway, it’s no secret the conditions outside can put a damper on our lives. The wayward weather can even cause clinical depression. With that in mind, we defined nine tried and true ways that you can battle back to beat those pesky winter blues. Lastly, if you're experiencing cabin fever or just want to get away, it's a perfect time of year to begin preparations for your next grand vacation. So, we put together a list of easy and practical travel savings tips that will help you cut costs before and during your next adventure. We hope you take a moment to cozy up and enjoy our latest newsletter. As your financial professionals at Principal Preservation Services, we wish you a happy and prosperous 2020, and we hope to hear from you soon. WARM REGARDS, MMike Kojonen i k e Ko j o n e n e on the lookout for OUR NEXT our next client event invitation in the mail. Client event ou’ll start receiving email reminders shortly so begin thinking about a guest or two you’d like to bring with you! With 2020 now in full effect, it’s time to begin acting on some of those financial resolutions you made. There’s a DO YOU NEED common misconception that estate planning is only for the wealthy. Regardless of your financial situation, an an estate plan? estate plan allows you to make your wishes known after your death. This is especially important if you’re married, have a house, children, and other assets. HAVING AN ESTATE PLAN ENSURES: our wealth is passed on to those you desire our children will be cared for • Your affairs will be handled minimizing chances of family strife The next question begs, “when should I start my estate planning?”. The short answer is now. Many think they’re too young or too healthy, so death seem like a premature thought. However, life can come at you fast and most of all, unexpectedly. HERE ARE SOME KEY POINTS TO CONSIDER WHEN STARTING OUT: ou need a Will to decide who will manage your property when you’re gone. • Take stock of all the assets you own such as your investments, retirement accounts, real estate, business interests, insurance policies, and valuable items, and a list of the beneficiaries whom you want to leave these assets to. Create a Power of Attorney and a Medical Power of Attorney to decide who will handle your affairs and manage healthcare decisions for when you’re unable to. • As needed, decide who will look after your children and act as their guardians. Determine how you want your funeral to be arranged. ESTATE PLANNING CAN BE DAUNTING, BUT IT DOESN’T HAVE TO BE DIFFICULT. YOU’VE WORKED HARD FOR YOUR ASSETS AND WANT YOUR LOVED ONES TO BENEFIT FROM THEM. GIVE US A CALL AT (715) 808-8981 AND LET US GUIDE YOU IN MAKING INFORMED DECISIONS THAT ARE BEST FOR YOU AND YOUR FAMILY’S FUTURE. 2020 WINTER NEWSLETTER | 3 LIFE INSURANCE & LONG-TERM CARE: Planning for the future is an easy thing to put off. You may think you’re too young or healthy to worry about things like life insurance or long-term care (LTC), but that’s not really the right way to frame the mindset. The reality is, without working with your financial professional to properly plan for your future, your loved ones may suffer the most. When it boils down to it, life insurance and LTC are about love for your family and their financial and emotional well-being. So, which one is right for you and your family’s current situation? Let’s explore the options. Long-Term Care Insurance or Life Insurance sort of LTC insurance someday? Life Insurance? In a nutshell, life insurance And as the average cost of care – protects your loved ones once continues to rise each year, how It's vitally important to consult you’re gone. It creates an instant would you and your family pay your financial professional estate that financially protects for it? Would you put the burden before making any decisions on your family when you pass away. on family members to become which policy or policies you wish With a life insurance policy, your your primary caregiver? to implement. With that said, beneficiaries receive a payout this article is meant to inform that helps cover any lost income Below are some reasons to you about the benefits of life or funeral expenses. consider purchasing a life insurance and LTC, and how they insurance or LTC insurance may be right for you and your Depending on the policy, life policy. family’s situation. insurance can also provide estate liquidity, replace a banker Reasons to Consider Life There are several reasons— for most loans, build tax-friendly Insurance Policies depending on your situation— wealth, provide continued – where life insurance or LTC business success, and can even You can protect your family insurance may be right for you help pay for LTC insurance or and loved ones. and your family. Throughout your a chronic illness. Life insurance lifetime, there may be a need for is perhaps best to be in its Like it was stated above, if your life insurance or LTC insurance at own asset class in your overall family relies on your financial different times. portfolio. support for their happiness and livelihood, life insurance is a Life insurance is often Long-Term Care Insurance must. Above all else, this is why considered most important Different from traditional health life insurance exists. It not only during your working years when insurance, LTC insurance is helps cover your income, but it you may have children and a intended to cover and support can also help your family provide larger family the relies on your any care or services needed for themselves after you’re gone. income to live. LTC insurance, to cover everyday activities, That can include additional on the other hand, is generally extended care needs, chronic daycare services, household needed later in life. According illnesses, or disabilities. Whether tasks, or anything else a family to the American Association for you prefer care in your own may need. Long-Term Care, it’s usually best home, a community institute, or to buy LTC between the ages nursing facility, LTC insurance Ensure that your business of 52 and 64, since policy rates will help you and your family survives. climb the older you get. Plus, by get refunded from the daily Do you own a business or your later years, life insurance expenses incurred from care. involved in a partnership? Do can become obsolete as your you care about your employees’ children grow into adults or your Did you know that by the time well-being? If you answered family’s reliance on your income you reach 65, there’s nearly a “yes” to any of these questions, has waned. 70% chance you’ll need some then there’s a good chance 4 | 2020 WINTER NEWSLETTER 2020 WINTER NEWSLETTER | 5 6 | 2020 WINTER NEWSLETTER you’d benefit from both a and where you receive that care. away. Combination policies personal policy and a business Unfortunately, if you don’t have can be appealing because life insurance policy. It’ll help all an LTC policy in place, you won’t you’ll receive something for your those years of hard work not have as many quality options. premiums paid no matter what, go to waste and will keep your making it a potentially great company’s future intact. Care expenses continue to rise. investment. No matter if you receive your care Diversify your portfolio. Closing Thought in-home or in a nursing facility, – With universal life policies, you LTC costs continue to skyrocket. No one knows what the future may utilize the cash value earned According to Genworth’s 15th holds. Your financial professional within your policy. Universal Annual Cost of Case Survey , here can help you weigh the risks you life policies are tied to certain are the annual national averages and your family face to find the investment products set by the for cost of care in these particular right solutions for your situation. insurance company, so you as settings: With life insurance, LTC insurance, the policyholder may receive or a combination of both, you dividend payments based on the • Assisted living facilities: $48,000 can be better prepared for life’s underlying market performance.
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