David A. Iobst, Certified Financial Planner™

Blog

Could Your Retirement Plan Use a Second Opinion?

Your retirement plan is like an iceberg. It's not what you see that can jeopardize your future, it's what you can't see below the surface. Here are 5 factors that could sink your retirement.
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How We Paid Off Our House Before The Age of 40

In this blog post, I share the strategies that my wife and I used to pay off our mortgage before the age of 40.
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Why You Should Work With A Financial Adviser

Financial Advisers offer so much more than just investment advice and portfolio management. Check out some of the other ways we help our clients succeed.
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Life Insurance Options For Diabetics

Diabetics who are interested in life insurance should read this to learn how to avoid common mistakes.
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Beware Free Investment Advice

When it comes to free, consumers are like a moth to the flame. They just can't resist a good deal. So what should you make of an offer for a free free financial review or free financial advice? Be skeptical.
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Why Retirees Still Need Life Insurance

If you think you only need life insurance while you're young and working, think again. While income replacement and debt cancellation are the primary reasons people buy term life insurance when they are young, this blog post discusses 7 reasons why you might want to consider owning permanent life insurance even after you retire.
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A Less Painful Way To Apply For Life Insurance

Looking for a hassle free way to buy life insurance? Are you afraid of needles or don't want the hassle of a physical exam? Life insurance issued on a simplified basis may be the answer. These policies are typically issued without a medical exam. Instead, the applicant answers a series of medical questions. If the applicant answers "yes" to any of the questions, they may not qualify.
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What is Return of Premium Life Insurance?

One of the biggest obstacles to purchasing term life insurance is the "use it or lose it" nature of term life insurance itself.  Consumers may be turned off by the idea of paying premiums for decades and not having anything to show for it because they are still living when the term ends. Enter Return of Premium life insurance.
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Impact of Long-Term Care on Caregivers

I hear it all the time.  "I don't need Long-Term Care Insurance.  My spouse or my children will take care of me."  Time for a reality check!Aside from the psychological and physical toll, there is an economic impact on caregivers (who are overwhelmingly female).  Consider that 65% of older persons with LTC needs rely exclusively on family and friends for their care.  In addition, one national study found the following impact on female caregivers: 33% o
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