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Disability Insurance

Contingent Claims In Life-Cycle Planning

by
Rick Miller
Ph.D., CFP® - Founder

March 9, 2019

Image for contingent claims in life cycle planning

A contingent claim’s payoff is dependent on the realization of an uncertain future event. In life-cycle planning, contingent claims are used to plan for the unpredictability and risks in life. Rick Miller discusses protecting against risk when financial planning. 

Sensible Scenarios: Do I Need Disability Insurance?

by
Rick Fine
MBA, RMA®, CFP® - Principal and Director of Financial Planning

September 19, 2018

The picture shows an insurance policy and a magnifying glass. The article is about disability insurance.

Bob and Lydia Gillman wonder if they need disability insurance. They spoke to their Sensible advisor to get some answers.

Five Common Misconceptions About Disability Insurance

by
Rick Miller
Ph.D., CFP® - Founder

November 19, 2014

Over the past two years, I’ve been working with a team from the Society of Actuaries to assemble perspectives on disability for financial planners. We produced an extensive presentation for planners. I’ve delivered it several times – at NAPFA, FPA and other professional meetings, and in webinar form. I’ve spoken about the subject on the [Learn more…]

Disability is a life-long threat to your financial well-being

by
Rick Miller
Ph.D., CFP® - Founder

July 23, 2013

In early May, I made a presentation to the NAPFA National Conference on the importance of disability in financial planning. I was privileged to work with the Society of Actuaries to develop the material, and Edd Bailey (Vice President and Chief Actuary, Assurant Employee Benefits) joined me in making the presentation. Edd is a Group [Learn more…]

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The image is of a cabin in the woods because the article is about buying a retirement vacation home.

Should We Buy a Retirement Vacation Home?

Is buying a retirement vacation home a good idea? As with most financial and life decisions, it depends on your situation. 

The picture is of two giraffes looking in opposite directions. This represents the differences between banks and custodians.

What Are the Differences Between Banks and Custodians?  

What are the differences between banks and custodians? What are they, how do they operate, and why do we choose them?

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