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Financial Advisor

YOUR COMPANY

236 Broadway

Menands, NY 12204

Phone: 800-243-5334

Fax: 800-720-0780

Email: sales@ltmclientmarketing.com

Website: www.letstalkmoney.com

September/October 2022

Is a Variable Annuity Right for You?

A variable annuity* is a contract between you and an insurance company that offers the potential for providing a steady income during retirement or for a set period. You can purchase an annuity by making periodic payments over time or with one lump-sum payment.

What Do You Know About Life Insurance?

According to research, 42% of households would face financial hardship within six months should a wage earner die; 25% would suffer hardship within one month.*

Choose Your Benefits Carefully

Annual open enrollment gives you an opportunity to review the benefits offered by your employer, including health insurance, vision and dental plans, and life insurance, and make selections that reflect your current situation.

"On Target" for Retirement

Your employer’s retirement plan may include an option to contribute to a target date fund.* Target date funds feature an investment mix that becomes more conservative over time, reducing risk as retirement gets closer.

Pet Insurance: Growing in Popularity

Although pet insurance started in Sweden a century ago, the first pet insurance policy in the U.S. was sold in 1982. By 2020, the U.S. pet health insurance sector reported written premiums totaling $1.99 billion.*

Remote Workers: Part of Your Team

Because you don’t see them every day, you may forget they’re an integral part of your team. But remote workers need meaningful interaction with managers and staff just as much as employees who are in the office. A little effort is all it takes to ensure that people who work from home are engaged with their jobs and feel part of the group.

Does Your State Have Death Taxes?

If your estate is worth more than $12.06 million at your death—$24.12 for married couples—the federal government will want a piece of it. But did you know that several states also impose estate or inheritance taxes on your assets?

Saving for Retirement in a Job-hopping World

You might change jobs for a variety of reasons—more responsibility, better pay and benefits, or relocation. When you change jobs, you’ll have to decide what to do with your retirement funds, including money you contributed and vested company contributions.

Fulfill Your Retirement Bucket List

The late president George H.W. Bush commemorated every fifth birthday between ages 75 and 90 by parachuting from a plane. While skydiving may not be on your bucket list, you probably can think of things you’ve always wanted to do.

Team up to Create a Financial Strategy for Your Business

As you know, managing a successful business requires that you focus on all things financial. That’s because the bottom line dictates almost everything you can or can’t do to move your business to the next level.

Review Your Plan During Medicare Open Enrollment

Medicare's annual open enrollment period runs from October 15 through December 7. If you're covered under Medicare, open enrollment provides an opportunity to review your current healthcare coverage - preferably with a professional - and make changes, if warranted.

FSA and HSA: Alike but Different

Health Care Flexible Spending Accounts (FSA) and Health Savings Accounts (HSA) allow you to pay qualified out-of-pocket medical expenses with tax-free dollars. While both accounts offer tax benefits, they have some major differences.

FAFSA: The Sooner the Better

If your child will attend college in the fall of 2023, now is the time to get started with the process of applying for financial aid. The FAFSA—Free Application for Federal Student Aid—becomes available on October 1.

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YOUR COMPANY and LTM Marketing Specialists LLC are unrelated companies. This publication was prepared for the publication’s provider by LTM Marketing Specialists LLC, an unrelated third party. Articles are not written or produced by the named representative.

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