Blog

Inside the Minds of Economic Leadership

In light of the recent market volatility and broader economic and political uncertainty, I have compiled a selection of past comments, interviews, and analyses from various analysts, investors, and global leaders encountered throughout...

The Shipping Story: Navigating Chokepoints in a Resilient Global System

This commentary explores the state of the global "sea lanes" through the lens of the KFSC Investment Framework (KFSCIF). Our framework follows a "what and why" mentality. We observe a significant divergence between what Wall Street presents

The Silver Story Since 1970: Historical Volatility and Industrial Supply-Demand Dynamics

Since 1971, silver has consistently exhibited a "high-beta" relationship to gold, often trailing gold’s initial moves before reacting with significantly greater intensity. In the current 2026 environment, silver is navigating a period of si

The Gold Story Since 1970: Navigating Short-Term Noise in a Multi-Decade Value Cycle

Since the U.S. government moved away from the gold standard in 1971, the U.S. Dollar has experienced an estimated 88% decline in purchasing power [2,3,4,5]. Gold’s trajectory to a nominal peak of $5,598/oz on January 29, 2026 [4, 5]

Risk Management Deep Dive: The Function of the Swiss Franc

Many major economies currently operate under conditions of fiscal dominance, in which national debt levels are so large that they constrain the central bank's ability to fight inflation without risking financial instability.

Gold & Silver: Why Metal Prices Fell While Physical Scarcity Increased.

"Noise vs. Signal: Why Paper Gold & Silver Was Sold While Physical Was Held"The Simple Explanation: The "Cash Crunch" To understand the recent volatility in precious metals, consider a scenario where a...

KFSC Market Insight: The Shanghai Gold Premium

Imagine you walk into a store in New York and see apples selling for $1.00. Then you check online and see the exact same apples selling for $1.50 in Shanghai. In a normal world, businesses would immediately buy all the New York apples and s

KFSC Macro Minute: The Market Valuation Reality Check

While the headlines celebrate record highs, the underlying data suggest the stock market has detached from economic reality. We believe this environment rewards caution over courage, which is why we have positioned...

Politics, Markets, and the Economic Engine Beneath the Noise

While politics matters and ignoring politics entirely would be unrealistic, history suggests that political debate often captures more attention than it deserves relative to the deeper economic forces that affect markets and long-term...

The Evolution of Quantitative Easing in a Debt-Constrained World

Imagine your home’s electrical system is overloaded because you are running too many high-power appliances at once (representing high national debt and spending). Under normal safety rules, the circuit breaker would trip, shutting off the..

Structural Macroeconomics: Fiscal Dominance & Liquidity Dynamics

Imagine a household where the monthly bills exceed the income. To keep the lights on, the family must use a credit card just to pay the interest on their mortgage. This works temporarily to maintain a lifestyle, but eventually, the math

Independence of the Federal Reserve: Looking Back at 2025

I believe the Federal Reserve should be independent in its analysis and decision-making. Monetary policy works best when it is based on data, not politics. I also believe that disagreement among Federal Reserve officials can be...

Silver 2026: Fact-Checking the Squeeze – Mines, Myths, and Markets

"Navigating the Collision of Structural Deficits and Speculative Mania" The silver market concluded 2025 with extraordinary volatility, trading in a chaotic range from ~$30/oz to brief highs exceeding $80/oz before settling near $72/oz....

The AI Paradox: Innovation, Valuation, and the Path to Profitability

Navigating the Hype Cycle in Artificial Intelligence As of late 2025, the Artificial Intelligence (AI) sector represents a complex duality for investors: it is simultaneously the most transformative technology of our generation and, by many

Physics, Scarcity, and Historical Stability: The Case for Gold as a Distinct Monetary Metal

This commentary outlines the physical, mathematical, and financial characteristics that distinguish gold from other assets.As of December 22, 2025, the financial markets are exhibiting significant divergence. While the S&P 500 has...

KFSC Market & Economic Update: Structural & Cyclical Themes (December 2025)

The Framework: Understanding "Cyclical" vs. "Structural" At Keaney Financial Services Corp., we utilize our proprietary KFSC Macro Regime Model as an analytical tool to help filter out the day-to-day market noise. To successfully...

2025: A Summary of the Economy and Markets

In 2025 markets were shaped by three big forces: (1) a dramatic run in precious metals — gold pushed to fresh all-time highs while silver saw extreme volatility; (2) a scramble over critical and rare-earth minerals; and (3) a U.S....

The Entropy of Empires: A Structural Analysis of Reserve Currency Cycles

Why This Commentary Matters: Most financial news is like checking the weather: "Is it raining today? Will it be sunny tomorrow?" It helps you decide whether to bring an umbrella, but it doesn't indicate whether the seasons are changing...

KFSC November Macro Update: Late Cycle Resilience Meets Cooling Inflation and Easing Policy

The commentary provides Keaney Financial Services Corp.'s (KFSC) views and interpretations based on the latest available output from the proprietary KFSC Core Macro Regime Model as of November 21, 2025. Macroeconomic data releases have...

Are Stocks and Homes Really More Expensive? A Look at Price vs. Value (2000–2025)

At Keaney Financial Services Corp., we believe it's important to not only track the price of your investments but also to understand their real value over time. For example, an investor who put 100% of their money into the S&P 500 in...

Elevated Risk of Narrow Markets and Concentration Peaks

What is a narrow market? Imagine the S&P 500 as a large racing sweep boat with 500 rowers. A healthy market might be characterized by most rowers pulling in unison. A narrow market, however, could be likened to a scenario where only a few "

Why Do Banks Have $200+ Billion in Life Insurance?

In the high-stakes world of banking, where every dollar must serve multiple purposes—funding loans, hedging against economic downturns, and ensuring regulatory compliance—there's a quiet powerhouse that few outsiders know about...

Gold’s Recent Pullback: Retracement or Correction?

Why the Recent Pullback Matters Gold has experienced a modest decline after reaching record highs earlier this year. For investors already holding gold, it’s natural to ask whether this movement represents a short-term pause or...

A New Economic Order (Part 2): Navigating the Shift

In Part 1, we discussed how the world transitioned from a system where money was backed by gold to our current system, where money is backed by trust (fiat money)¹. We suggested that the old, straightforward advice to "buy and hold"...

The 30% 2008 Gold Correction: A Case Study in Liquidity

The 2008 financial crisis provides a critical case study for all asset classes, including gold. While gold is widely regarded as a primary safe-haven asset, it experienced a sharp 30% correction during the most acute phase of the...

A Decade of Volatility: An Analysis of Gold Market Corrections (2015-2025)

Over the last decade (October 2015 to October 2025), gold has been in a long-term bull market, rising from approximately $1,100 per ounce to over $4,300 per ounce, representing a gain of more than 290%. However, this significant...

Navigating the Market Impact of the U.S. Government Shutdown

The U.S. financial markets are currently operating in a period of notable uncertainty due to a prolonged U.S. government shutdown, now in its third week (6). From our perspective at Keaney Financial Services Corp. (KFSC), this event...

The Strategic Imperative of Domestic Resources

The United States faces significant national security and economic vulnerabilities due to its near-total dependence on China for the processing and manufacturing of Rare Earth Elements (REEs)—critical materials essential for modern...

October 2025: Analyzing the Strategic Case for Gold

Our analysis of the current macroeconomic environment continues to support a positive strategic outlook for gold, an assessment reinforced by the asset's recent rally to approximately $3,850 per ounce [1]. The year-to-date performance is on

The Great Disconnect

Our comprehensive analysis of the global macroeconomic landscape reveals an investment environment shaped by a powerful collision of long-term structural forces and pressing cyclical risks. Structurally, the global economy is anchored...

The Party is Over

Ever been to a party or gathering and just when you’re having the most fun and the music is getting good, the lights come on? That’s kind of how I felt listening to the Federal Reserve Chair, Jerome Powell, last week at the Jackson...

Retirement Question: When to Take Your Social Security

Deciding when to start your Social Security benefits is one of the most important financial decisions you'll make for retirement. While there are three main choices, many people find that their full retirement age offers the best...

Understanding the Financial Impact of a Cancer Diagnosis

While Medicare is a vital safety net for many Americans, a cancer diagnosis can still create a substantial financial pressure in ways you may not realize. Medicare covers a significant portion of healthcare costs, but it isn't a...

5 Social Security Facts You Probably Didn't Know

Social Security is a cornerstone of financial security for millions of Americans, but for such a widely discussed program, there's a surprising amount that most people don't realize. Beyond the basic idea of retirement benefits,...

"Gold in a Strong-Dollar World: Short-Term Friction, Long-Term Conviction"

Understanding Recent Dollar Strength, Technical Consolidation, and the Rationale Behind Our Strategic Precious Metals Allocation In Our KFSC Risk Managed Portfolios Overview: Dollar Strength Creates Headwinds, Not Reversals As of July...

The Race for Rare Earth Autonomy

Transport yourself back in time to your 7th or 8th grade science classes; you’ll remember diving into the periodic table of elements. You have the Nonmetals, metals, transition metals, noble gases… and then, as if they almost got left...

The Biggest Financial Threat In 2025

In investing, people often prioritize risk mitigation to “market risk” or “volatility risk”. But in this rapid technological transformation, individual clients, institutions and governments face a greater threat, often overlooked and...

$15 Mil Estate Tax Exemption: Updates from the " Big Beautiful Bill"

At Keaney Financial Services Corp, we aim to empower our clients by providing insightful education and timely analysis on the economic factors shaping their investments. In today's rapidly evolving macroeconomic landscape,...

Mid‑2025 Economic & Market Commentary: Highs, Lows, and Growing Risks

Global & U.S. Economic Snapshot – Mid‑2025  Our Take: As we learn to live with continued distortions caused by stimulus from fiscal and monetary policies, we are seeing never-ending increases in deficit spending and expansion of the U.S. N

Debunking 5 Social Security Myths

Social Security is a cornerstone of retirement planning for millions of United States citizens, yet it's often shrouded in misunderstanding. Many common misconceptions can lead to poor financial decisions. So, let’s set the record...

Cancer & Medicare for Someone Under Age 65

Navigating the world of health insurance can be daunting, especially when you're facing a cancer diagnosis. Medicare, the federal health insurance program for people 65 or older and certain younger people with disabilities...

Why "Buying the Dip" Can Be a Trap

“Why ‘Buying the Dip’ Could Be a Trap in Today’s Distorted Market” May 2025 | Keaney Financial Services Corp. Commentary Authored by our investment advisory team Speaking with a client about the markets and the economy, he asked, "If...

Why the Gold–Silver Ratio Signals a Silver Investment Opportunity in 2025

Why the Gold–Silver Ratio Signals a Silver Investment Opportunity in 2025 May 2025 | Keaney Financial Services Corp. Commentary Authored by our investment advisory team A Simple Explanation: What Is the Gold–Silver Ratio? The...

A New Economic Order: Part 1 For Gold Skeptics

The saying goes like this: “follow the money”, at no point, anyone I know, in my lifetime has ever said “follow the stock market”.  To start, I must reference a few historical moments that morphed our monetary system into what we have...

Even Empty Nesters Need Life Insurance

The kids are grown, the house feels quieter, and you’re finally settling into that empty-nester life. Maybe you dream of traveling, having hobbies, or just kicking back with more freedom. With the immense responsibilities of raising a...

Group Health Insurance is a Smart Move for Your Business

In today's tough job market, finding and keeping good people is essential. A solid benefits package, especially one with group health insurance at its core, is a powerful tool. This type of insurance covers a group of people – usually...

Even Santa Believes in Group Disability Income Insurance

         In the festive world of gifting and holiday cheer, even Santa Claus isn't immune to workplace accidents. While we often imagine Santa smoothly navigating rooftops and chimneys, accidents can happen to...

The Power of Group Medical Insurance

Group medical insurance is more than just a policy; it's a safety net that can safeguard your health and finances. Let's explore the key benefits.

Making Financial Provisions for Your Surviving Pets

On Thursday November 14, 2024, just after midnight, we said our last goodbye to our beloved Niner, our 17.7-year-old four-legged son. If you love your pet as much as we loved Niner, you can understand the immense pain we've been...

Benefits of Pets on Seniors

Pets bring joy and companionship to people of all ages but are especially beneficial for seniors. Maintaining our physical and mental health becomes more important as we age, and pets can play a key role in promoting overall...

The Unexpected Gift

We all dream of leaving a legacy that speaks to our impact on the world. But legacies needn't be grand gestures or worldly achievements. Sometimes, the most profound legacies are the quiet acts of love that secure the future of those...

Building an Impregnable Fortress Around Your Wealth

Life insurance conjures images of a somber topic: a safety net for loved ones after you're gone. But what if I told you this seemingly traditional tool could be transformed into a powerful financial asset, safeguarding your hard-earned weal

Why Long-Term Care Matters for Business Owners

Business owners pour their hearts and soul into building something special. You strategized, hustled, and weathered storms to create a thriving entity. But have you considered how a potential long-term care need could negatively...

Don't Crack Under Pressure: Why Smart Business Owners Invest in Employee Health

I get it. You're a passionate entrepreneur. You've poured your heart and soul into building your business. Every spare dollar gets reinvested in equipment, marketing, that new storefront – anything to keep the momentum going. But...

Do You Know Someone with Special Needs?

   Over the years, we've encountered a more than average number of individuals and families that require careful financial planning and advice specifically design for someone with Special Needs. I've talked to several advisors and agents...

Secure Future: Diversify Your Portfolio with Life Insurance

Imagine a life free from financial worries. A life where you can weather unexpected storms, confidently pursue your dreams, and leave a legacy for loved ones. This isn't a fantasy – it's the power of financial security. But achieving...

Running on Fumes: Why you need a Succession Plan

Juggling the demands of running a business can feel like a constant tightrope walk. Between keeping clients happy, managing staff, and staying ahead of the curve, it's easy to let long-term planning fall by the wayside...

2025 Estate Tax Exemption Sunset

In the realm of estate planning, the sunset of the estate tax exemption in 2025 casts a looming shadow over the financial future of many individuals and families. With the current generous exemption set to revert to lower thresholds,...

Business Owners: Have you heard of the 412 (e)(3) Plan?

The 412(e)(3) plan stands out as a powerful tool for business owners and individuals seeking to secure their financial future. As a seasoned life insurance agent, it is crucial to shed light on how this little-known specialized plan...

Business Valuation: The Key to Strategic Decision-Making

   In the dynamic world of business, accurate assessment is paramount. As a skilled jeweler appraises a precious gem, discerning entrepreneurs grasp the importance of quantifying their most valuable asset - the company. This is where...

Hidden Risks, Huge Costs: Insurance Mistakes Business Owners Make

unforeseen events can throw you off course, leaving you facing significant financial losses. This is where business insurance acts as your safety net, cushioning the impact and helping you recover faster. However, many business owners...

The Impact of Group Medical Insurance on Employees and Their Families

The significance of employee benefits, particularly group medical insurance, cannot be overstated. For employees, having comprehensive healthcare coverage available through their workplace isn't just about safeguarding their own well...

Unforeseen Dissolution: Protecting Your Ownership in a Partnership

As a group health insurance agent, it's essential to not only focus on the health benefits for your clients but also to address other critical aspects of their business operations. One such aspect is safeguarding the future of their...

5 Ways Group Benefits Can Transform Your New Year as an Employer

In the fast-paced world of business, staying ahead of the competition and ensuring employee satisfaction is essential for long-term success. As a group benefits agent, you understand the significance of offering comprehensive benefits...

The Importance of Having Health Insurance for Employees

        In today's fast-paced work environment, health insurance is a cornerstone benefit that all employers should provide to their workforce. This essential coverage not only safeguards the physical and...

A Wellness Carol: A Dickensian Tale of Senior Health and Happiness

In the quaint town of Mediaville, where cobblestone streets echoed with the whispers of yesteryears, lived Mr. Ebenezer Healthscrooge, a rather grumpy older man known for penny-pinching when it came to his well-being. As the winter...

Quick & Easy Recipes for this Holiday Season

As the holiday season approaches, why not shake things up in the kitchen and surprise your loved ones with a feast beyond traditional turkey and stuffing or ham?  We will explore fun and unconventional recipes that add a delightful twist...

The Gift that Keeps on Giving...or NOT.

       The consensus in news articles and elsewhere seems to be an adamancy to hype up a stock market rally. I’ve discussed the danger of falling for the narrative of soft landing for the past year, and...

Wow Your Guests with These Thanksgiving Delights

As Thanksgiving approaches, why not shake things up in the kitchen and surprise your loved ones with a feast beyond traditional turkey and stuffing? We'll explore fun and unconventional recipes that add a delightful...

Tips for a "Diabetic Friendly" Thanksgiving

     Thanksgiving is a time for being thankful, watching football, and eating great food. For individuals with diabetes, navigating the holiday feast can be a challenge, as many traditional dishes are loaded with...

Turkey With A Side Of Small Group Medical Insurance, Please!

         November, what a magical time of year. Leaves change color, cooler temperatures and of course, TURKEY are the first thing that we think of when we think about November. Why not, Thanksgiving is a great...

Social Security: Spousal Benefits After Divorce

       Going through a divorce is undoubtedly one of life's most challenging experiences. Amid the emotional turmoil, it is crucial to address practical matters like your financial future. Social Security benefits...

A Bit More About Group Vision Plans

             It doesn’t take much for employers to SEE (pun intended) why group vision insurance is such a great option to offer to their employees. Not only can the insurance improve your...

14 KEY GROUP DENTAL TERMS

Let’s face it employees want benefits. They don’t just want medical insurance anymore, they want more. Group dental insurance will not only help to make them smile; the cost to you (the employer) should make you happy as well...

The Most Unattractive Times for Investors

“Stocks haven’t looked this unattractive since 2007”, reads the headline of a Wall Street Journal article from last April,¹ referring to the risk vs reward of owning equities over bonds. The sentiment will probably carry throughout at...

Why You should Offer Ancillary Benefits to Employees

 Ancillary benefits can be a great offering to your employees. These benefits can have an employer contribution, but it is not required. In fact, one of the benefits to offering ancillary benefits for your employees is that when their...

Thinking of doing a Rollover to an IRA? Review your options here.

  A rollover is a tax-free transfer of cash or other property from one retirement plan to another. A quite common one is rolling over a 401(k) into an IRA. The rule permits rollovers between most tax deferred arrangements...

Life Insurance with Thyroid Disorders

       Thyroid disorders, such as hyperthyroidism and hypothyroidism, can significantly impact an individual’s life. For the many living with either of these conditions, attaining life...

Does It Matter When I Start My Group Health Plan?

       Group medical insurance being offered by an employer is almost expected in today’s world. When your next possible employee is contemplating their next job, their decision usually comes down to who has...

Misconceptions About Group Medical Insurance

 It seems like employees and employers have become hesitant to use the medical insurance they pay for each month. Not just because of the cost, but because they don’t understand how their plan actually works....

Financial Stability: The Importance of Disability Income Insurance for Employees

     In today's fast-paced and unpredictable world, protecting financial stability has become paramount for individuals and their families. Amidst the uncertainties of life, one critical aspect that frequently goes...

Top 5 Employee Benefits in 2023

Let's begin with the basics. Employee benefits are extra perks provided by employers for their employees. Finding the right combination of benefits that will have the best impact while not costing you a small fortune is critical for...

Cash Balance Pension Plans

A cash balance pension plan is a defined benefit plan. Which means the benefit amount is defined or promised benefit of a stated account balance. Typically, a participant is credited each year with a pay credit, which is a percentage...

HSA, HRA or FSA?

Health savings accounts can be great for you and your employees. These tax advantaged accounts can not only help you and your employees set aside money for medical expenses, but they allow you to pay for your medical expenses with...

SIMPLE IRA: How Simple Is It?

Knowing the right kind of retirement plan that is right for your company can be vital to your employees and your retirement. You want to make sure that if you’re offering benefits, that it’s not hurting your company, whether it be from...

What is a 401(K)?

     A 401(k) is a defined contribution plan; an employer-sponsored retirement savings plan that lets the employee assume responsibility for their retirement income by making pretax contributions from his or her paycheck...

Does It Matter When We Start Our Group Health Insurance Plan?

Group medical insurance being offered by an employer is almost expected in today’s world. When your next possible employee is contemplating their next job, their decision usually comes down to who has the best benefits or who contributes..

Choose the Right Employee Benefits

     The majority of our business clients and prospects focus on offering medical, dental, and vision insurance to retain and attract employees. Those benefits, coupled with a retirement plan, may be all that motivates...

IRC Section 162: Executive Bonus Plans

What is an Executive Bonus Plan?      Offering group medical insurance and other benefits has been one of the most effective ways of attracting and keeping quality employees. Every employee is important to the...

My Business Is My Retirement

     As a small business owner, you and only you are completely responsible for your own retirement plan. Many business owners we meet say their business is their retirement plan. Meaning that when the business owner has...

Just Hired! When can I join my employer’s group medical insurance plan?

     A deciding factor for a job position is group medical insurance, but one of the common questions I hear from employees is, when can I join the plan? There are a different periods in which the employee can join a...

What Is a Professional Employer Organization (PEO), & How Can It Benefit My Company?

     Using a PEO or professional employer organization is a way of outsourcing your human resources department. This type of arrangement is known as co-employment. While the services that every PEO company offers are...

Investors' Inability to Adapt

     I constantly remind clients that we must invest for and navigate the markets we’re given, not the markets we wish we had. I believe a very common mistake investors make is their failure to adapt their portfolio strategies to the...

Fringe Benefits Basics

    There was a major problem going on in the U.S. during World War II outside of the war, and that was inflation. Factories that were once producing goods were now producing equipment for the war. Because of this the goods that were...

How Does ALS, Affect My Chances of Getting Group Life Insurance?

According to the MayoClinic.com, Amyotrophic lateral sclerosis is a progressive nervous system disease that affect the nerve cells in the brain and spinal, his causes loss of muscle control. It has yet to be discovered why ALS occurs...

Life Insurance & Divorce

      If you have recently separated from your spouse, this article may help you better understand how a divorce may impact your existing policy and the steps to consider taking as you move forward. Life events such as marriage...

How Does Multiple Sclerosis Affect Group Medical Insurance?

     The definition of Multiple Sclerosis is a disease in which the immune system eats away at the protective covering of nerves. This damage disrupts communication between the brain and the body. Multiple sclerosis causes many different...

How Does Anxiety and Depression Affect My Life Insurance Policy?

According to the World Health Organization*, the prevalence of anxiety and depression had a twenty-five percent increase worldwide. This large increase comes after the Covid-19 pandemic. This 25% increase affected woman and you people...

How Cancer Affect My chances of Getting a Life Insurance Policy?

 This is an informative blog. This is not meant to diagnose, treat, or do anything else other than to show how Anxiety and Depression can affect your life insurance rating or acceptance.      According to...

4 Benefits That Your Employees Will Love

       So, you finally made the decision to offer employees benefits at your business. The next step to figure out is what benefits to offer. We believe that it’s always better to work with an agent that can...

Dental Insurance in Our Golden Years

Good health starts with a healthy mouth.         Regular dental exams and cleanings can lower the risk of gum disease, which is linked to heart disease, diabetes, stroke, and other serious conditions....

GROUP HEALTH INSURANCE – RX COVERAGE

Medical insurance can be very confusing. In-network vs. out of network, copay and coinsurance, the last thing you’re going to understand when you look at your group health insurance quote for the first time is 10G/15PB/50NPB/200S...

Financial Security with Life Insurance

       There’s a positive correlation between owning life insurance and having financial security. One of the biggest ways life insurance can provide financial security is by ensuring that loved ones are...

The Effects of 2022 and The Corona Virus on Group Medical Insurance

            The Corona Virus has affected the citizens in America negatively. From the shutting down of businesses, to "nonessential" deemed employees getting laid off. It caused panic at the grocery...

Overoptimism: A tale of caution in 2023

      Overoptimism can be as dangerous (or more) as over pessimism, that’s in a nutshell Jerome Powell’s message following the past FOMC meeting, where the Federal Reserve raised interest rates by 0.25 percentage points...

How Diabetes Could Affect Your Group Medical Insurance

      According to the Center for Disease Control and Prevention, 37.3 million Americans have diabetes. That’s 1 out of 10 Americans! 96 million people in the United States have prediabetes, that’s...

Why Diabetes Affects Your Life Insurance Rate

       I mentioned on a previous commentary that According to the Center for Disease Control and Prevention, 37.3 million Americans have diabetes. That’s 1 out of 10 Americans! 96 million people in...

The Financial Strength of Life Insurance Companies Matters

Why is the financial strength of an insurance company important? There is a multitude of reasons why, but near the top of that list should be the insurer’s ability to pay out the benefits promised. Those benefits could be access...

Can my Group insurance deny coverage on a pre-existing condition?

If you had a medical condition, whether it be mental or physical, prior to the year 2013, you knew what a pre-existing condition was. That’s because prior to 2013 and the Affordable Care Act, insurance carriers were able to deny...

Understand why you got declined or rated for Life Insurance

Have you ever applied for life insurance and been declined or rated by the insurance company? Unless you’re in the insurance industry, you probably have no idea why or how.

How the Group Medical Enrollment Process works

Enrollment for employer sponsored group medical insurance can be a very timely and confusing matter. Knowing what to expect and which documentation you may need, can really help speed up the process.

How Are Plans and Rates Established for Group Medical Insurance?

How can you go from having great coverage with low premiums with one job, to a job with terrible coverage and high premiums? First, it’s based off of your group size. You’re either considered...

Happy New Year! You're fired.

Even if you’re not currently in the market for a new work opportunity, you can’t ignore the continuous reports of near- term layoffs projected for this year. Rightfully so, as the labor force tends to be a leading indicator...

What are pre-existing conditions and are they covered?

   If you were ever diagnosed with any type of health condition or suffered a serious injury, prior to 2013, then you probably understand what preexisting conditions are. But for those who don’t, preexisting...

How are my group health insurance plan rates determined?

     An employer offering benefits can be one of the most important reasons for taking a job for some families, but have you ever looked at or joined an employer sponsored plan and wondered, how can I be paying this much...

Term or Whole Life, Which one is best?

      Life insurance is a very intricate tool. Most people only think of it as insurance that takes care of the expenses of your loved ones left behind. This is true of life insurance in general. Depending on...

FTX: A Crypto Nightmare

If it sounds too good to be true, it may still be true…except for cryptocurrency exchanges.By now you’re somewhat familiar with the name FTX and have heard of their recent insolvency. All due to highly speculative...

Have you looked into Universal Life Policies?

 Universal life insurance defines flexibility. You can virtually design it to be exactly what you need it to be. 

Are you new to Group Medical Insurance?

Group medical insurance can be very confusing. Sometimes as humans we’re embarrassed to admit that we don’t know something. Don’t be.

What is Term Life Insurance and Can it Benefit You

Are you in your twenties or thirties and just starting a family? Can’t afford a larger premium? Well, you could take advantage of your younger age and better health. It could be a good choice when the policyholder needs protection...

You can't afford to NOT offer Group Benefits

Let’s face it, we live in a time of benefits demanding job seekers. Whether it’s an entry level position, or a career that requires four plus years of college education, one of the first questions asked to HR managers and owners...

The Basics of Life Insurance

Life insurance is more than just something that your grandparents purchase when you were a child. Life insurance is a tool that you can use for many different stages in your life. It can protect you for a period of time or forever.

'Tis the season for the markets

‘Tis the season to be jolly? Maybe. The Holiday season quickly approaches and with it comes a lot of typical seasonality elements. The stock market is not oblivious to that. In finance, seasonality of the markets is a technical analysis...

"Rainy-day" Savings vs. Group Medical Insurance

There is one thing a “rainy-day" savings account typically can’t help with, and that’s a $1,000,000 medical bill. You may be saying “that’ll never happen”, but it can happen in a instant.

Choosing Medical Plans for Small Businesses

        Choosing a medical plan for yourself may be easy. You may know how often you go to the doctor, and how much you may use the insurance, but this completely changes when it comes to selecting health...

3 Common Misconceptions About Group Medical Insurance

Are you unaware of the changes that came with the Affordable Care Act, that may benefit you? Most employers are. One of the biggest problems I see is people are hesitant to use their health insurance.

No Sign of a Soft Landing

When the Federal Reserve Chair, Jerome Powell, insists that businesses and households will experience pain resulting from monetary tightening, you better believe him. What happened?

Co-insurance vs. Co-Payment

Many of the employers I speak with have little to no experience in selecting health plans for their employees. Some are familiar with what medical plan’s co-payments and co-insurance are, but do not understand how they work.

Bear Markets: A Trap for the Hopeful

A bear market is defined as an extended period of price declines in the stock market. Textbooks will not give you an exact numerical measure for identifying a bear market, but we consider a 20% decline in...

The Best Type of Group Medical Insurance for My Employees

When it comes to insurance, everyone has a different opinion and use. What I like about an insurance plan can be completely different from what the employer feels makes a good plan. There are many different choices when selecting a plan.

Inflation 2022: The Blame Game (ADVANCED TOPIC)

People ask why inflation is running rampant since the COVID – 19 started. With many causes to increases in prices and currency devaluation, politicians are quick to point fingers at whom or what causes this pain for citizens.

Why GDP is Yesterday's News

I’m not attempting to give a course on GDP. But you may wonder, with such a simple definition, why do economists and politicians defer on our economic status relating to GDP? Are we, or are we not in a recession?

Overturning Roe V. Wade Changes The Employee Benefits Industry

Business owners offering to cover the cost of abortion procedures are also challenged with covering travel and lodge expenses for employees, when their headquarters is located within abortion-banned states.

Your Social Security Disability Claim will get DENIED

The reasons why your Social Security Disability claim will get denied are many and you should know prior to filling a claim. Know what to expect when you apply for benefits and that the social security administration denial will lead...

Can your Credit Score affect your insurance rate?

Did you know a bad credit score can affect your insurance rate, increasing your premium payment and making it more expensive? But the truth is, even if you have a good credit score, the lack of payment history, long enough credit,...

A Long-Term Care discussion with Theresa Minnis, CEO of Legacy Private Care

If we had a dime for every time we get asked about information on Long Term Care, their would probably be enough funds to pay for the National debt. If we got a dime for every time someone actually did something to cover the high cost...

Consider possible tax benefits of having disability income insurance

Disability Income Insurance can be tax advantageous as a tax deduction if you have your policy through work or as a tax free benefit if you use your personal funds (or after tax dollars) to pay for it. With the help of your accountant...

Relying on worker's comp? Here's what you need to know.

I was reading on Lesser, Lesser, Landy, Smith law firm's website that every 7 seconds an injury in the workplace happens. And that more than 4.7mil workplace injuries occur every year in the US, resulting in 99mil workdays lost. Those...

5 Funny Excuses Why People Don't Buy Life Insurance

You can change the lives of so many with a profession in the Financial Services industry. But being a life insurance agent has it's particular rewarding moments. The impact and financial relief people get from receiving a Death...

Buy Life Insurance over the phone

Think about all the different types of insurances that you have. Do you personally know ALL your agents? Probably NOT. Life Insurance does NOT have to be a complex process. If you just need basic insurance coverage, watch this video...

4 Workout MISTAKES that can lead to DISABILITY

Cody Merrill, personal trainer to physicians, dentists, athletes, executives (and pretty much anyone looking to improve their health and physique) on the Treasure Coast explains mistakes people make when exercising that can cause a...

How to SAVE MONEY on Insurance| Keaney Desk Talks | Disability Insurance Queen

When you look for an insurance quote, you have many choices to make from: coverage amount, length of coverage time and what you actually want to insure (cars, houses, people, pets). It’s going to cost you something to protect...

7 Reasons Why The Rich Buy Insurance - DISABILITY INSURANCE QUEEN

How do the rich get richer? Do the rich buy insurance? Yes! And in this video I give you 7 reasons why the wealthy buy insurance to build, grow, protect their wealth and avoid paying taxes.SUBSCRIBE to the Disability Insurance Queen's...

DISABILITY INSURANCE AND COVID-19

DISABILITY INSURANCE AND COVID-19 | How STRESS can lead to a Disability | Keaney Desk Talks Disability Insurance Queen 20 subscribers In the midst of the COVID-19 crisis, I did some research of how the current situation can lead to a...

What's the difference between Maximum Out of Pocket and Deductible?

What's the difference between an HMO and a PPO plan?