Category: Insurance

What’s in this article? Start with the plan, not the policy Buy based on the need at hand Sizing the need Enough, not exactly enough   Buying life insurance can be an emotionally fraught process, demanding that you not only dwell on the worst possible outcome but then assign a dollar value to it. So [...]

What’s in this article: How much insurance do I have on my home? Do I have building code and ordinance coverage? What is my flood insurance policy? Be prepared before the emergency happens When Level 3 evacuation orders are issued, residents are mandated to go – now! Level 3 indicates urgent, extreme danger and immediate [...]

What’s in this article: Navigating a complex healthcare system About Private Health Management (PHM) How PHM can make a difference Concierge medicine and healthcare advocate: what’s the difference? When can PHM help? Open enrollment for Coldstream clients and webinar information   One of the most common concerns I hear from clients isn’t actually about investing, [...]

Many Americans are accustomed to private health insurance, whether that be coverage through their employer, or a plan purchased individually. Reaching eligibility for Medicare marks a crucial step toward transitioning away from job-based health insurance in retirement. The process can feel daunting if you don’t understand the various components of your coverage. Here, we aim [...]

Google provides an extensive range of benefits that can enhance your wealth, manage risk, and secure your future. By integrating Google’s compensation, retirement, and health benefits into your financial plan, you can better align these offerings with your long-term goals. Equity Awards Google’s stock units (GSUs) can be a powerful tool for achieving financial objectives. [...]

In Coldstream’s inaugural Ask the Expert videocast episode, Wealth Manager Glen Goland, JD, CFP®, invites guest Elma Friend, President of Willamette Valley Benefits, to discuss Medicare. With over three decades of experience in healthcare and a focus on Medicare, Elma brings a wealth of expertise around Medicare trends and issues. Willamette Valley Benefits specializes in [...]

If you’re planning to retire early, remember to include the cost of health insurance in your financial plan. Medicare eligibility begins at age 65, but until that time you’ll need to enroll in a private insurance plan.  Be sure to check your eligibility with COBRA from your prior employer as well.  COBRA premiums can be [...]

It’s no fun to think about the potential disasters that can befall your family, but there is something to be said for the peace of mind you can achieve by knowing that you are well protected. At Coldstream Risk Management, we want to make sure you are aware of dangers so that you can insulate [...]

Whether you are part of the “sandwich generation” ― caring for both your kids and your parents ― or you are aging yourself, eventually some form of long-term care may be necessary in your family. Morningstar reports that 70 percent of those who turn 65 will need long-term care at some point in their lives, [...]