As many financial advisors are no doubt aware, the life settlement industry is still only vaguely understood among the general public. In fact, many financial advisors themselves are unfamiliar with how the life settlement process works, whether life settlements are truly beneficial to their clients, or how to go about initiating one should their client […]
Few of us ever really expect to become family caregivers. Most of the time, the circumstances that lead to us becoming caregivers creep up on us gradually - maybe a loved one begins having trouble remembering her medications, then falls while at home, then gets lost while out driving to the grocery store one day. […]
For seniors who live at home, safety is a big concern. Especially for those who live alone, it’s important to be aware of potential safety issues so that the comforts of home can continue to be enjoyed for as long as possible. Whether you’re a senior yourself or a friend or family member who’s caring […]
As the Wall Street Journal reported late last year, many universal life insurance carriers have been raising premiums on policies that were sold as many as 30 years ago. This has been difficult enough for policyholders who have found their premiums suddenly increased by thousands of dollars. Now, however, cost of insurance charges, or COI, […]
Traditionally, the life settlement market has been concerned with life insurance policies with larger face values - typically, of $1 million and above. This has been due to simple economics: the return for investors is greater on high-face value policies. The market for large policies, and even jumbo policies of $10 million-$100 million, is stronger […]
Let’s be frank: Baby Boomers today deserve a standing ovation for everything they’ve done throughout their lives. Supporting families, raising healthy children, saving what they can to ensure a happy, fulfilling retirement - that’s hard work. After 40-plus years of being responsible and looking after those you care about, it’s time to sit back and […]
It used to be that our golden years were spent relaxing. We played leisurely games of golf or tennis, caught up on our reading, spent time with family, maybe took a few trips we’d never been able to before. That is still the case for some retirees these days. However, as our health and life […]
Just 20 years ago, the life settlement industry was seen as more of a fringe investment class than anything else. There was little discipline, very few regulations, and many people - even investors and brokers themselves - were unsure of the best way to go about selling or purchasing this type of asset. Today, however, […]
“Things change, but they never stay that way.” Isn’t that something the baseball king of misspeaking, Yogi Berra, said? Either way, there’s a kind of ridiculous wisdom there that can be applied to almost any situation. Things do change - and then they change again. Financial advisors know this truth well. Stocks go up and […]
At Ashar, we work with financial advisors and their clients - many of whom are retired or are about to retire - every day. Part of the reason we do what we do is because we believe we have a responsibility to help our seniors retire comfortably and well, as free from financial stress as […]
