End of life challenges often tends not to be high on the priority list for many. Yet, ask anyone who has had a family member in a difficult financial position with limited means, and you might have a different perspective. In this post, I share an excellent report created by Morningstar that walks through many valuable statistics on long-term care.

Variable annuities have over the years earned a well deserved bad rap. As the title implies, I have, ahem, never really been a fan. However, positive changes are trickling in that could make them more practical going forward. In this communication, we explore how they have worked and were sold, and positive changes that are happening in the industry.