- Видео 202
- Просмотров 107 163
Harford Retirement Planners
США
Добавлен 13 мар 2019
Joseph is a CERTIFIED FINANCIAL PLANNER™ with his office in Bel Air, Maryland. Author of Decades and Decisions: Financial Planning at Any Age.
Joseph has helped lots of people find new ways to plan their finances and invest for their retirement.
Securities offered through LPL Financial, Member FINRA/SIPC. For hyperlinks to FINRA and SIPC please refer to the "links section." Investment Advice offered through Private Advisor Group, a registered investment advisor. Harford Retirement Planners and Private Advisor Group are separate entities from LPL Financial.
The LPL Financial registered representative associated with this page may only discuss and/or transact business with residents of the following states: CA, CT, DC, DE, FL, LA, MD, ME, NC, NJ, NY, PA, TX, VA.
Joseph has helped lots of people find new ways to plan their finances and invest for their retirement.
Securities offered through LPL Financial, Member FINRA/SIPC. For hyperlinks to FINRA and SIPC please refer to the "links section." Investment Advice offered through Private Advisor Group, a registered investment advisor. Harford Retirement Planners and Private Advisor Group are separate entities from LPL Financial.
The LPL Financial registered representative associated with this page may only discuss and/or transact business with residents of the following states: CA, CT, DC, DE, FL, LA, MD, ME, NC, NJ, NY, PA, TX, VA.
Видео
Election Year Investing & Interest Rates
Просмотров 1442 месяца назад
Election Year Investing & Interest Rates
Margaret and Gretchen with Glen Meadows
Просмотров 15710 месяцев назад
Glen Meadows Retirement Community joins us at the HARP Studio to discuss the the ins-and-outs of picking a retirement community and what life is like here! www.presbyterianseniorliving.org/glen-meadows-retirement-community
A CFP's 3 Favorite Charts for November 2023
Просмотров 12111 месяцев назад
Listen in as Joe explains fluctuations of the market, the importance of a diversified portfolio and key historical data
Alex Thomas with Main Street Home Loans
Просмотров 48Год назад
Alex Thomas, also known as the @marylandmortgagedad, joins us at the Harp studio to share some of his accomplishments, and his advice to prospective home buyers
Joe Ayler of Tar Heel Construction
Просмотров 47Год назад
Joe Ayler, one of our great friends, joined us to discuss the struggles and successes of being a business owner For more info on Tar Heel Construction, contact them here tarheelconstructiongroup.com/
Minute to Win it - Investing Tips for 16 Year Olds
Просмотров 16Год назад
Minute to Win it - Investing Tips for 16 Year Olds
Minute to Win it - The Harford Retirement Team
Просмотров 14Год назад
Minute to Win it - The Harford Retirement Team
Minute to Win it - How to Become a Client
Просмотров 7Год назад
Minute to Win it - How to Become a Client
Minute to Win it - How to Save for Your Next Vacation
Просмотров 7Год назад
Minute to Win it - How to Save for Your Next Vacation
Tour of Our New Office! 510 S. Main Street
Просмотров 83Год назад
Tour of Our New Office! 510 S. Main Street
Silicon Valley Bank: What you Should Know
Просмотров 160Год назад
Silicon Valley Bank: What you Should Know
Retirement Planning - Part 3 - In Your 60's
Просмотров 206Год назад
Retirement Planning - Part 3 - In Your 60's
Retirement Planning - Part 2 - In Your 50's
Просмотров 120Год назад
Retirement Planning - Part 2 - In Your 50's
Retirement Planning - Part 1 - In Your 40's
Просмотров 154Год назад
Retirement Planning - Part 1 - In Your 40's
Minute to Win it - Is Paying off your Mortgage Early a Mistake?
Просмотров 392 года назад
Minute to Win it - Is Paying off your Mortgage Early a Mistake?
What to do When your Kids Have too Much Cash
Просмотров 232 года назад
What to do When your Kids Have too Much Cash
Great video Joe!
Very informative. I have been with LPL for 4 years now and rolled my pension over into their investment services and very happy with my Financial Advisor. My advisor works through my local Credit Union.
For the amount per year you are referencing… I would just put it in a high interest savings account… or a Roth !! $21,k a year !!?? X 10-20 years plus compounding interest…& I could access it anytime I needed to !! & if something happens,& I can’t make my payment… I’m not going to loose every thing I invested !! Then leave everything to a trust… the Roth can keep making $ for 10 years after I die !! Guess I’ll have to shop around if I want a life insurance policy !!
Is the $5K benefit amount a monthly amount?
I'm 77. I'm not sure I'd buy LTC insurance again. First, unless you think you'll be in a nursing home for many months -- 6 months or more--I wouldn't buy it. Second, understand that the premium will go up. It goes up the most when you are retired and can't afford it. Third, remember, all healthcare companies contribute millions to politicians who have and will agree to changes healthcare providers demand. (the reason the premiums go up is because the LTC had no idea people would actually use the policies; they had no idea healthcare costs would go up.) Fourth, in my policy, and I assume in most, you pay out of pocket the first 90-100 days. Most likely if an acute situation happens where you need to enter a nursing home immediately, the LTC policy won't pay for the first 100 days. (Some policies will pay during the first 100 days for home care.). So, if you think you'll be in a nursing home for months, then buy the policy. Knowing what I know now, I'm not sure I would have bought one.
Thank you so much
Thank you. I was reading and trying to understand this policies. I new at this and this video is a great bird's eye view of the topic. Some of the situations do not apply to me, but I still learned a lot.
Wow, the fact that you did not mention a significant cost of this plan is disturbing.
What if the insurance company goes out of business after you've paid in monthly for years and years or paid a lump sum
Good video about a complicated, important, and not-very-exciting subject! I will watch it again. BTW, it's "Factors that *Affect* Premiums," not "Effect." 🤓
Is that 5K per month or year?
Is the use or pass it policy which covers lifetime LTC still available nowadays?
Good interview. Get an extra mic so they don’t share a mic. The volume was low for the ladies. Have to keep increasing volume for them and the lowering it when host spoke
Click bait (big time).
More BULLLSHIT for the guys that get filthy rich off you idiots!!! BUYER BEWARE!!!! Thee guys are becoming millionaires off your demise!!!!! LTC INSURANCE IS THE BIGGEST RIPOFF IN THE INSURANCE INDUSTRY EVER!!!!!!!
"Just the Facts" was well done & clearly explained. Thank you, Joe!
To use this as care and an investment as 'use it and pass it', what is the interest rate on the insurance? Shop for best company with highest interest rate?
Thanks for the video!
Thank you for the insightful video
Joe, you do not talk about ONE IMPORTANT THING about long-term care policies. You do not say how often and how much the monthly premium will go up. Sure, if you buy at age 50 with no medical problems, it is cheap. But after a few years, the rate will go up. Often it doubles in the first 10 years. That gets you to age 60, still a long way from needing care. Then the rates start going up each year, doubling again by age 62. Bad, huh? No, you haven't seen anything yet. Now they start doubling about every 2 years. Finally, as you approach age 80 and might actually NEED some care, the monthly rate becomes so high that you may not be able to pay it, unless you have piled up millions in savings. Just as planned by the insurance company, before you need it, you will cancel it. What kind of deal is that? It only makes sense if you get a price guarantee along with the initial insurance contract. Otherwise you are buying a pig-in-a-poke that you won't be able to afford at the time you need it.
Be blessed!
Cannot read the whiteboard. A powerpoint presentation would be much more beneficial to us. Thx.
I do not understand. I must be missing something. If you are paying $5000/ per year to get a benefit payout of $5000 per year, what's the point? Or is it 5,000 payment per couple, then the benefit is 10,000 per couple?
Payout is $5,000 per month. Hope that helps in your calculations.
@@KS-tl3uh $5000 per month is the !st year payout. Every year the payout is increased with the 3% per year with the inflation option. Your monthly benefit and lifetime benefit increase every year by the 3%. After 20 years the monthly would be around $9000. At 5% inflation option the monthly benefit would be $13000.
Hahaha, discounts for married people, no stress there. Single by choice, happy, health and screwed. And of course it's cheaper for men it's your world, and ya kick it earlier. Okay did some research and circled back. Question with the $21,000 10/ yr. Pay wouldn't you be better off investing that $$ and having it directed to a living trust?
$5000 benefit? What is per week, per Month, year?
I have the same question. 5k benefits means what? Someone please clarify it. Thanks.
Ima nigga i would've bought my kids some Gucci
Hating on the kids smh 😂
I have an alternative remedy to long term care. 🤯 This world is shitty. You work your whole life just to be able to have someone care for you like a baby again. My long term care does not end. And its only the cost of a single round
I am an Indian resident If I pass the series 65 , Will I be allowed to join an existing RIA and become an IAR in the US ? My main business will be in the US
Hi
Excellent video.
2 years coverage enough....really?....how?.....when you need ongoing care or move into a nursing home for the rest of your life
Thank you right to the point on cost .
Would you tell me How many cash indemnity Company out there for long term care insurance??
Good video Joe. There is one thing I would like to see, I know it is in your wheelhouse but I don't know if it works for your business model. What I would like to see is your personal analysis of the local area banks, and give us a rating from 1 to 10 with 1 being SVB and 10 being Fort Knox. In other words, is M&T in a strong position, or APGFCU? You have a lot of researchers at your disposal researching Funds and the like, can you put them on the banks and research them. Thanks Joe, keep up the good work.
Thx Joe!!!😊
Well said Joe!!!
You lost me on the first line - 5K? Why would you buy a policy that only pays 5K?
it is probably referring to $5k payout max per month?
Man getting old is expensive
I am sorry honey, you may be too young to talk about this.
Great information - thank you!
Excellent presentation. The background music was a nice touch, but the volume should be dialed back a little. I found it a little distracting when it hit certain notes. Thanks Joe.
Never boring, always informative..
Thanks for the updates. Merry Christmas to all of you!
PЯӨMӨƧM 😒
Great video Joe! Love the Bull vs Bear market chart.
I want to give my grandchild 1 Milion .How can I do to prevent the tax ??? how do i reach you ?
Hi Debra, you can contact us through our website, harfordretirement.com/.
I keep calling around and they say you can’t start a policy until your 50
This is a totally misleading title
That flip up coffee table though.