Are You Prepared for the Future?

The future is often a big and scary word. At the Montane Group, it is our mission to ensure your financial future is as secure and known as possible.

There are a number of factors that go into financial planning. Below, you will find helpful information about: Life InsuranceRetirement, and College Planning

In my experience, these three investments are critical in building a robust and long-lasting portfolio. Each situation is unique, so as always, give me a call and we can collaborate on finding the best path for you and yours.

The Ins-and-Outs of Life Insurance

The Ins-and-Outs of Life Insurance

Life insurance ensures financial protection for your loved ones in case of premature or unexpected death. Most people begin thinking about life insurance after they start their families. However, like most investments, starting early means more affordable rates that will follow you into the future.

For adults under thirty, there is something called "term insurance" (sometimes referred to as “pure insurance”). Term insurance provides protection at a fixed rate for a period or "term" of time. With term insurance, starting young generally means cheaper rates that are locked in for the entirety of the term (for example, from age 25-75). This saves money in the long run while still providing comprehensive coverage.

For adults over thirty, we recommend permanent insurance. Unlike term policies, permanent insurance (or "cash life insurance") lasts for a life time. These policies vary, but if the client pays the premiums, they will follow you for your entire life, regardless of your health.

Find out more in the articles below or give me a call.

The Ins-and-Outs of Roth IRAs

The Ins-and-Outs of Roth IRAs

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