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Fans of the novels and the hit HBO series Game of Thrones are familiar with the motto of the House of Stark: “Winter is coming.” This clan lives in the far north of author George R. R. Martin’s fictional land of Westeros, and their family proverb underlines their belief that it is always important to be prepared for hard times.

The recent devastation in the wake of Hurricane Harvey on the Texas Gulf Coast, the horrendous wildfires in northern California, and the disastrous aftermath of Superstorm Sandy, along with other recent natural disasters, have focused public attention on both the massive scale of loss and the all-too-frequent inadequacy of both

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Several years ago one of my sisters sent me the following poem. It meant a lot to me, and I wanted to share it with you today:

One of My Favorite Days
(March Fourth)

We all love Christmas. Halloween is scary sweet.

I’m thankful for Thanksgiving, boy how we eat!

It’s been said that a man with health has a thousand dreams, while a man with no health has but one.

Often in the financial markets, it’s useful to pause and look back to see if we can gain some perspective. After all, it is commonly accepted wisdom that those who refuse to learn from history are doomed to repeat it, to paraphrase philosopher George Santayana.

Long term care (LTC) insurance is designed to cover costs incurred for types of healthcare assistance for elderly and disabled persons that Medicare doesn’t cover.

Many of us associate the use of a power of attorney (POA) with someone who is incapacitated and unable to make decisions or take actions on their own behalf. That is certainly a situation where a power of attorney would be applicable, but there are many others.

At the end of August 2003, traveler Mark Scharenbroich found himself driving his rental car down the freeway in Milwaukee, surrounded by bikers clad in black leather, all of them astride gleaming, roaring Harleys.

What would happen if you or your child caused a car accident that resulted in serious injuries or the deaths of others?

Most of us have seen the commercials for new prescription drugs that are now a common feature on television. Always, somewhere toward the end, the voice-over announcer says the words, “Ask your doctor…” That makes sense, of course, since any decision to take a drug involves serious health implications.