Posts Tagged Schillig

  • Special Enrollment Periods Special Enrollment Periods

    By Richard J. Schillig, CLU, ChFC, LUTCF Independent Insurance and Financial Advisor Anyone receiving Medicare services is called a Medicare Beneficiary. The Center for Medicare and Medicaid Services (CMS) is the federal regulatory agency for insurance companies, agencies, and sales people offe...

  • The Greatest Gift The Greatest Gift

    By Richard J. Schillig, CLU, ChFC, LUTCF Independent Insurance and Financial Advisor Having your affairs in order can be the most lasting gift to for loved ones With many years of experience in the insurance and investment business, this featured article/story in “Renew” magazine is pric...

  • Low Returns to Continue for Decades? Low Returns to Continue for Decades?

    By Richard J. Schillig, CLU, ChFC, LUTCF Independent Insurance and Financial Advisor A recent financial industry news report featured a headline of doom and gloom regarding rates of return on equities. London Business School and Credit Suisse article states for the next 20 to 30 years, annualiz...

  • One Benefit for Achieving Age 70 1/2 or older One Benefit for Achieving Age 70 1/2 or older

    By Richard J. Schillig, CLU, ChFC, LUTCF Independent Insurance and Financial Advisor Is there a benefit to aging? The American Taxpayer Relief Act of 2012 is telling us there is a huge benefit to hitting the golden age of 70 1/2, especially if we hold qualified retirement accounts, such as IRA...

  • Taxes,Taxes,Taxes – what’s a tax payer to do? Taxes,Taxes,Taxes – what’s a tax payer to do?

    By Richard J. Schillig, CLU, ChFC, LUTCF Independent Insurance and Financial Advisor It is 2013 – another New Year, and the Fiscal Cliff is upon us. For the past several months, the media has inundated us with threats and promises of this impending doom. Media hype has focused the Fiscal Clif...

  • Are You Safe from the Fiscal Cliff? Are You Safe from the Fiscal Cliff?

    By Richard J. Schillig, CLU, ChFC, LUTCF Independent Insurance and Financial Advisor The “Fiscal Cliff” is the description economists have used that describes the potential situation at year-end 2012 when a number of U.S. tax and fiscal changes are scheduled to occur. Folks, these changes a...

  • Annual Enrollment Period continues Annual Enrollment Period continues

    By Richard J. Schillig, CLU, ChFC, LUTCF Independent Insurance and Financial Advisor The Medicare Annual Enrollment Period is the time during which people with Medicare can make new choices and pick plans that work best for them. Each year Medicare plans typically change what they cost and cove...

  • Annual Enrollment Period Begins October 15 Annual Enrollment Period Begins October 15

    By Richard J. Schillig, CLU, ChFC, LUTCF Independent Insurance and Financial Advisor It’s here again. The Medicare Annual Enrollment period begins October 15 and ends December 7. For the second consecutive year, AEP has moved to a more consumer-friendly time period. This Annual Enrollment per...

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