Of all the articles I have read, not one of them was written from a client’s perspective. After all, every truthful adviser will agree that it is times like these where financial advisers should be adding the most value to their clients—wouldn’t be useful to try and capture the client’s perspective in this? So, here is a list of ways your financial adviser should be earning their keep—written from what I believe to be the client’s perspective.

If you’re currently on Medicare, and paying IRMAA surcharges, you might be wondering what impact the recently passed Coronavirus Aid, Relief, and Economic Security (CARES) Act might have on your IRMAA surcharges. The short answer is that there does not appear to be anything in the Act that directly impacts your IRMAA for 2020. The longer answer, however, is that there still might be something you can do to lower or eliminate your IRMAA for 2020 or in the future.

If you’re reading this article, you might have received an IRMAA (Income-related monthly adjustment amount) letter in the mail from the Social Security Administration. This is an additional surcharge to Medicare Part B and Part D premiums that applies to households with income above a certain level.

If you’ve received an IRMAA (Income-Related Medical Adjustment Amount) letter in the mail, warning you of higher premiums for Medicare Part B and Part D because of your income level, you might be wondering whether you can reduce, or even eliminate your IRMAA. One of the most common scenarios in which you could do this is if you’ve had a life-changing event.

When stocks started tumbling because of unprecedented, worldwide concerns over COVID-19, also known as the coronavirus, our firm started reaching out to our clients for two reasons. First, many of our clients had never been with us during a market downturn, and we wanted to give them assurance. Second, we wanted to see what questions people have about their portfolios.

A good long-term care insurance policy is simply part of the answer to the question: “How can I afford long term care?” Long term care insurance (like everything else related to long term care) is not cheap, and it’s not for everyone. And the difference between a good policy and a bad policy is hidden in the details.