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Exploring timely insurance and retirement planning topics for today's forward-thinking financial professionals. Crump Insights is a presentation of Crump Life Insurance Services, a leading third-party distributor and service provider of insurance and retirement products. Join us for the latest market updates, sales strategies and information that impact the industry, your practice, and your clients.
 
Welcome to the SmartLinx Podcast! Each podcast runs about 10 to 20 minutes in length and covers topics ranging from human resources to compliance, scheduling, recruiting, payroll and more. Our own Darcy Grabenstein interviews subject matter experts, both internal and external, to provide you with actionable insights. And now, on to today’s podcast!
 
Welcome to the Financial Advocate Podcast - Formerly known as "The Special Needs Connection" & "Caring For Aging Parents." We found ourselves sharing podcasts to both shows so we decided to combine them into one podcast! You will continue to find strategies, resources and connections for dealing with the emotional, physical, and financial challenges of aging parents and raising children with special needs. Hosted by Colin Meeks, a Certified Financial Planner focusing on Eldercare Financial P ...
 
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show series
 
Hans goes over the recent report released by the Department of Treasury about the status of long term care insurance in the United States. He explains what they found, what changes might be made, and what it means for you. Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on Cardina…
 
Medicare Annual Open Enrollment ends on December 7th. Hans goes over what you need to make sure you have done before then. Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free! You can contact Hans and Cardinal by emailing hans@cardinalguide.com or calling…
 
Hans and Robby discuss what exactly full retirement age means for your Social Security benefit. Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free! You can contact Hans and Cardinal by emailing hans@cardinalguide.com or calling 919-535-8261. Learn more a…
 
Hans goes over state taxes, social security taxes, pension taxes, estate taxes, and IRA distribution taxes and how they can differ between the state you choose to retire in. Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free! You can contact Hans and Car…
 
The LTCI market continues to evolve, and the ability to blend long term care insurance into annuity products offers clients a powerful new asset to offset the rising costs of care. November is Long Term Care Insurance Awareness Month, so it's an ideal time to reconnect with clients who were declined or failed to acquire LTCI in the past. In this ep…
 
Hans and Robby go over a specific long term care policy. They also discuss why long term care is so personal to both of them. Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free! You can contact Hans and Cardinal by emailing hans@cardinalguide.com or call…
 
Hans goes over what qualifies as “qualified money”, as well as explains the advantages of this. Then he tells Robby the story of a client he had any how he used his IRA in order to leave the legacy he wanted. Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for…
 
Hans and Robby go over all your options for where to receive long term care when you are older! Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free! You can contact Hans and Cardinal by emailing hans@cardinalguide.com or calling 919-535-8261. Learn more a…
 
Hans and Robby go over the options you have this Medicare Annual Enrollment season! Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free! You can contact Hans and Cardinal by emailing hans@cardinalguide.com or calling 919-535-8261. Learn more at CardinalGu…
 
It's been an interesting year, to say the least. And while COVID-19 has disrupted business, it's also forced positive change in the insurance industry. The adoption of accelerated underwriting is dramatically reducing turn times and making it easier for financial advisors and insurance professionals to do business. In this episode, Crump Senior VP …
 
Hans and Robby go over why you need to prepare before signing up for Medicare, and what some of the pitfalls you might run into. Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free! You can contact Hans and Cardinal by emailing hans@cardinalguide.com or c…
 
Hans and Robby go over why you need a tax preparer, like a CPA, and a tax planner, like a financial planner and what the differences are between the two. Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free! You can contact Hans and Cardinal by emailing ha…
 
Hans and Robby explain the halo of life insurance, which is a list of 5 people who cannot touch the money given to your beneficiaries. Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free! You can contact Hans and Cardinal by emailing hans@cardinalguide.co…
 
Hans and Robby talk all about MYGAs, what they are, and why they might be right for you, especially if you have a lot of money just sitting in your savings account! Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free! You can contact Hans and Cardinal by …
 
Hans and Robby break down a specific insurance policy on today’s show. This policy allows you to rollover your IRA money into a policy that will not only provide your family a benefit at your death but also provide long term care benefits for you and your spouse. Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Livi…
 
Robby and Hans talk all about planning for retirement this week, especially as the world around us is changing. Almost everyone wants to age at home, but in order to do this, you have to have a plan. Otherwise, it is very unlikely that you will be able to finish your life at your home. Don’t forget to get your copy of “The Complete Cardinal Guide t…
 
Medicare with no extra coverage is a problem. One option you have for fixing this problem is a Medicare Advantage plan. Hans goes over what you need to consider when looking at these Part C plans. Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free! You c…
 
Hans and Robby go over questions Cardinal has gotten about Social Security Spousal benefits, including common law marriages, divorcees, widows, and everything in between! If you have any questions about your specific situation, feel free to contact Hans and Cardinal for answers! Don’t forget to get your copy of “The Complete Cardinal Guide to Plann…
 
There are 3 tax benefits you are going to get out of having a Roth IRA in retirement. Hans goes over what these are, as well as what you can do right now, no matter your age, to make sure your IRA and 401k accounts are in a good spot. Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon o…
 
In retirement, if one spouse passes away, how do you keep the surviving spouse’s income whole? Hans and Robby answer this question and go over how life insurance for the surviving spouse can fill the gap in your retirement income plan. Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon …
 
This video is about Teaching Financial Literacy to Children. Sam and I are both financial literacy advocates and we both agree that you can't start early enough. Sam has some great ideas for teaching financial literacy and competency at an early age. It is important to remain positive and keep it simple when starting out. I hope you enjoy! Check ou…
 
No matter who you are, you need a minimum of $25,000 in life insurance when you die. We know most people don’t think they need it, but Hans goes over the many reasons why it is necessary. Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free! You can contac…
 
The purpose of your IRA should be to create retirement income. For many, they view it as a vehicle to leave an inheritance to their children. Hans goes over why this might not be a good idea and examples of what you could do instead! Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or…
 
Hans goes over your options for paying for home health care even if you have some health issues and limited income. The most important aspect of getting set up for long term care is purchasing it while you are in your 50’s or early 60’s. Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazo…
 
Many people think Medicare will pay for home health care, but it really does not. Hans goes over what exactly Medicare covers and what other options you have for covering long term care costs! Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free! You can c…
 
I decided to do something a little different and talk to a marketer about how financial planners should acquire new business. I enjoy being different and getting rid of the suite and sales stigma that comes with financial planning. The days of seminars and dinners are long gone. This interview is with Corey Keating. He is the founder of the Markete…
 
This week, Hans goes over the 2020 Social Security Trustees Report. Many people think Social Security is going to run out of money, but after reading the entire report, Hans explains that this might not be true. There is a lot of misinformation about Social Security; It is important not to base your decisions off of this. Social Security makes up a…
 
Are you thinking about selling your house in retirement and worried about the taxes? Hans and Robby go over capital gains taxes as well as the exemptions to these taxes! They also talk about reverse mortgages and who it might be right for. Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Ama…
 
Hans and Robby go over Revocable Living Trusts, who they are good for and who they are not on this week's episode of Finishing Well! Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free! You can contact Hans and Cardinal by emailing hans@cardinalguide.com …
 
The big question: “Where are we headed?” A very educational 30 minute back and forth about the current state of the economy and possible factors to affect a continuing recovery. Here are some questions we discuss: Why do stocks continue to improve as corporate earnings remain lower than normal & almost 40 M people unemployed? Will the affects of th…
 
Stephen has an extensive background in sales. We met as professionals on LinkedIn where he shares a lot of great content around sales and mindset. I have gotten a lot of value out of following along so I was excited when he agree to do this podcast. It is about 40 minutes but well worth it as you will learn about his story in sales and his nuggets …
 
The government has given you some help with your IRA. Not only are you allowed to take some money out without penalty if you have been financially hurt by Coronavirus, but you can also leave money in your IRA for longer without penalty. Hans walks through who these new provisions might work well for and who might want to not take advantage of this …
 
You don’t want to buy or can’t afford to buy a traditional long term care insurance policy but you still want coverage? Hans goes over your options for short term care, and how some policies even pay for care at your home. Having a year of coverage is much better than having no coverage at all. It gives your family time to figure out a long term pl…
 
Recently I was lucky enough to do a podcast interview with one of them - Christine Teh: 🎙”Building Your Relationship with Money” Christine is well known on LinkedIn, but if you haven’t had a chance to connect with her - I recommend it. You will learn a lot just by following her. She is a financial coach, tax strategist and LinkedIn coach. I always …
 
The industry makes the basics of Medicare too confusing and is not doing a good job of getting information to consumers, so Hans breaks down Medicare Part A and Medicare Part B for you. What do both Part A and Part B cover, what don’t they cover, and why you need a supplement to both parts is all covered in this episode! Don’t forget to get your co…
 
An annuity is equal or increased payments over a period of time. Social Security is a lifetime annuity for you. Hans and Robby explain what this means, how to use it, and what you might want to consider for your other income. Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on Card…
 
Who is your beneficiary? Hans and Robby want to help you answer that question and make sure you have the right answer. Don’t let your money go to the wrong person. How much does my beneficiary need? Don’t underestimate this. Am I too old to buy life insurance? No, you’re not. Hans goes over multiple clients' stories where life insurance was a great…
 
'PARENTING PROFESSIONALS OF LINKEDIN' I met Lisa Goldkuhl on #linkedin during the lockdown. I noticed one of her posts speaking about what it was like to be a mother and I told a story about an experience I had as a parent. Long story short, I walked in and out of a grocery store multiple times holding my daughter looking for my car keys...which we…
 
This is about the side hustle of a high schooler collecting and selling sports cards on the side. The guest is non other than Connor Meeks, the son of podcast host, Colin Meeks. Connor has been collecting cards for a while now and has started to get good at selling them. Listen to his story as he just started high school and this is a really intere…
 
We know Medicare Supplements can be confusing, there is a lot of chaos. Hans and Robby break down Medicare and its paths, advantage or supplements. Medicare supplements give the freedom of no networks. We discuss 3 different Medicare Supplement Plans, including one high-deductible plan that is perfect for people who want freedom but don’t want to p…
 
This week, Robby and Hans discuss how to make sure you have a plan for finishing well, specifically one that includes home health care. They get into the details of different routes and policies, including the policy that Robby is currently getting. There is peace of mind that comes with having this planned out now, not only for you, but for your f…
 
A lot of people don’t know what to do right now especially when it comes to their IRA or 401(k). Hans and Robby go over what you should be looking at in your accounts, not only during recessions, but all the time. Make sure you are checking your beneficiaries as well as your balance. Also remember it is important to understand the taxes on these ac…
 
The importance of protecting your income in this episode where we discuss the basics and importance of disability insurance. Insurance is never a fun thing to think about - you either have to think about yourself getting hurt or dying. It is important to plan properly and to protect yourself and your family. This coronavirus is a good reminder that…
 
Currently, the market is crashing. Hans and Robby go over what you should and shouldn’t do during this time. The first thing to do is make a plan and understand how you want to use your money in retirement. Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for f…
 
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