Monthly Archives: June 2013

Rising Interest Rates: How Are You Prepared?

rising-interest-ratesNo one knows when rates are going to rise, only that it is going to happen at some point in the future. Instead of asking when they will, the better question is: “What happens when rates do go up?”

Focus is shifting more and more towards this question, so education on what affects rates and what can be done to combat their eventual increase is of much importance.

Joseph P. Okaly, the Assistant Portfolio Manager at Buy/Hold Plus, addresses this question, so follow on below to read an article overview or click to read the full Rising Interest Rates: How are you prepared? article.

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Estate Planning with Life Insurance


Help Clients Find The Right Plan.


Estate Planning with Life Insurance

There’s a lot to consider in any estate planning situation. Are your clients aware of their options Have they anticipated things like estate taxes, which could impact the future value of their estate? Watch the video and learn how to help your clients create a solid estate plan.

Contact Steven Hipsher at the TFS Home Office today at
(732) 758-9300×165 or email at

Is LTC Insurance the answer??

Is Insurance the Answer to Long Term Care Planning?

A recent USA Today article states that there is an increase in seniors living over the age of 90.  According to author Haya El Nasser “The number of people living to age 90 and beyond has tripled in the past three decades to almost 2 million and is likely to quadruple by 2050”.

Seniors who live longer generally have some sort of disability or need help at some level of living. Sandy Markwood, CEO of the National Association of Area Agencies on Aging, indicates that the focus needs to be on being able to help these seniors live at home as long as possible as nursing home cost could rise to average $72,000 a year.

Long Term Care at any level, in the home, assisted living or nursing home can add a tremendous cost to seniors and their families.

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