When the Unexpected Happens, Insurance Can Help Protect What You’ve Built
Insurance is designed to provide protection—but over time, it can quietly become a drag on your financial plan. In this conversation, the “Henssler Money Talks” hosts examine common coverage decisions, how to evaluate which risks truly need to be insured, and when self-insuring may be a more sensible solution. We also walk through the different types of insurance and what coverage is essential for long-term peace of mind.
Employer Open Enrollment: Make Benefit Choices That Work for You
Open enrollment is coming! With health care costs on the rise, now’s the time to review your options, compare plans, and take full advantage of FSAs, HSAs, and other benefits. Read our guide to make smart choices for your wallet and your health.
Health Savings Accounts: The Hidden Gem in Your Financial Plan
D.J. and the “Henssler Money Talks” hosts break down Health Savings Accounts (HSAs) and explain why they’re one of the most powerful tools for saving money—thanks to their unique triple tax benefit. While many people use HSAs to pay for health care expenses as they arise, there are compelling advantages to covering those costs from other funds and allowing the HSA to accumulate, benefiting from tax-deferred growth over time.
Will an Annuity Lower Your RMD? Here’s the Real Story
The “Henssler Money Talks” hosts focus on annuities, providing our take on these investment products. Furthermore, should a retiree put $210,000 of their retirement funds into an annuity to help with Required Minimum Distributions? We’ll walk through the essential questions to ask, from the type of annuity being recommended to how it fits into a comprehensive financial plan.
Life Insurance in Retirement
Is life insurance still necessary in retirement? It might be—especially if you want to cover long-term care, supplement your income, or leave a legacy for loved ones. Discover how life insurance can support your retirement goals, even after the kids are grown and gone.
Will You Pay a Medicare Surcharge?
Medicare isn’t one-size-fits-all—especially when it comes to what you’ll pay. Your income could impact your premiums through IRMAA surcharges. Learn how Medicare works, what it covers, and smart strategies to potentially lower your costs.
QLACs: Your Retirement Accounts Can Act Like Pensions
Worried about outliving your retirement savings? A Qualified Longevity Annuity Contract (QLAC) could provide income later in life—when you may need it most. Learn how new rules may make this strategy more appealing for high-income earners.
Return of Premium Term Life Insurance: Is It Right for You?
If you’re considering term life insurance, you might wonder: What happens to all the money I paid if I outlive the policy? With Return of Premium (ROP) term insurance, you could get some or all of your premiums refunded—tax-free! But is it worth the higher cost?
Charitable Gifts of Life Insurance
Did you know life insurance can be a powerful tool for charitable giving? By naming a charity as the beneficiary, you can make a meaningful gift that may also provide tax benefits.
2025 Medicare Open Enrollment Kicks Off
Medicare Open Enrollment is here! Now’s the time to review your coverage and make sure it fits your needs and budget for 2025. From switching plans to new cost caps on prescription drugs, learn about your options and key updates before the December 7 deadline.