Some life insurance policies only pay a death benefit if the policy owner dies during a certain period—the “term” of a term life insurance policy. Others pay out a death benefit no matter when the policy owner dies—these policies are considered “permanent” policies and are intended to remain in-force for the entirety of the policy owner’s life.

The kids are back to school, the holiday season is right around the corner, fall activities are in full swing!

The Top 3 Questions to Ask.

Oftentimes when we meet with clients there are a few common questions or topics that tend to come up regularly - things that seem to be on the minds of many of our clients. Usually, it has to do with some event or circumstance that is relevant at the time. In 2022, that question has revolved around the idea of “should I change the level of risk in my investments considering what is happening in the market.”

3 Questions to Help you Decide!

When I was a student I got so stressed before tests! The week leading up to the test I would study loosely, be constantly stressed, and cram the day before.

Eventually, I learned to create a study plan two weeks before my test. I studied each day for a set time, had little stress, and usually performed well. With an appropriate plan I was able to enjoy my life without worrying about my test. I wasn’t planning for the worst but rather preparing myself so I would have freedom.

This is similar to the approach we use in life insurance planning.

My favorite part of working as a wealth manager is the array of questions from our clients during all market environments.

However, times of market volatility are generally when the most impactful questions come up. This is due to the emotions that go hand in hand with market volatility.

Cash Flow Management. What To Know and How Can It Help You?

If you ever google financial planning, there is no doubt that you will quickly come across the idea of budgeting. At Creekmur Wealth Advisors we prefer to focus less on budgeting and lean more into cash flow management as a foundation for beginning your financial journey.

Over several decades of working with people from all walks of life we have witnessed first hand that 

How do you make investment decisions? Do you look at data? Or look for an interesting opportunity?  Interestingly, most people don't look at facts when making decisions. They prefer a good story.¹