Insights + Resources

Epic Insights

Insurance When You’re Newly Married

Nov 15, 2019

Car with a "Just Married" sign
Assess the coverage for your new household.

Marriage changes everything, including insurance needs. Newly married couples should consider a comprehensive review of their current, individual insurance coverage to determine if any changes are in order as well as consider new insurance coverage appropriate to their new life stage.

The good news is that married drivers may be eligible for lower rates than single drivers. Since most couples come into their marriage with two separate auto policies, you should review your existing policies and contact your respective insurance companies to obtain competitive quotes on a new, combined policy. (more…)

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Insurance Needs for Empty Nesters and Retirees

Nov 13, 2019

Elderly couple on a swing
Thinking about coverage as you enter a new phase.

 With the children now out of the house, financial priorities become more focused on preparing for retirement. At this stage, you may very likely be at the height of your earning power and fast approaching peak savings as you lay the groundwork for retirement. During this final leg to retirement – and throughout your retirement period – wealth protection is critical.

The preservation of your assets will not be solely a function of your investment strategy, but will include a comprehensive insurance approach to protect you against an array of financial risks, most especially health care. (more…)

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Reducing the Risk of Outliving Your Money

Nov 11, 2019

Man standing on a tree overlooking a city
What steps might help you sustain and grow your retirement savings?

“What is your greatest retirement fear?” If you ask any group of retirees and pre-retireesthis question, “outliving my money” will likely be one of the top answers. In fact, 51% of investors surveyed for a 2019 AIG retirement study ranked outliving their money as their top anxiety.

Retirees face greater “longevity risk” todayThe Census Bureau says that Americans typically retire around age 63. Social Security projects that today’s 63-year-olds will live into their mid-eighties, on average. This is a mean life expectancy, so while some of these seniors may pass away earlier, others may live past 90 or 100. (more…)

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Unrealized Loss and Gain

Nov 8, 2019

Trending Graphs
What they are; why they matter.

For many investors, it can be tempting to think of one’s portfolio in terms of “gains” or “losses.” True, this is a central concept to understanding market behavior, but to truly maximize your investing knowledge, you also need to know about “unrealized gains,” “unrealized losses,” and how they can work to your advantage. As always, the following information is not intended as tax or legal advice. Any financial decision should be undertaken in consultation with your financial advisor and is not intended as tax or legal advice. Ready to learn more? Read on. (more…)

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Making Sense of a Home Warranty

Nov 6, 2019

Home Keys
Are you covered for that?

As a consumer, when you purchase an expensive item, like a car or refrigerator, you expect to receive a warranty that the manufacturer will repair or replace that product if it breaks down.

A warranty makes sense for big-ticket purchases, but what about for a home? (more…)

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Cybersecurity

Nov 4, 2019

Digital Lock
Protecting yourself from potential calamity.

Cybercrime affects both large corporations and private individuals. You’ve likely read about the large data breaches in the business world. These crimes are both expensive and on the rise. The U.S. Identity Theft Resource Center says that these corporate data breaches reached a peak of 1,632 in 2017. The response to the growing need for data protection has been swift and powerful; venture capitalists have invested $5.3 billion into cybersecurity firms.

That’s good news for the big companies, but what about for the individual at home? What can you do to protect data breaches to your personal accounts? (more…)

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Spotting Credit Trouble

Nov 1, 2019

Credit Cards
How to check for problems.

Americans aged 45 to 54, who have credit card balances, carry an average debt of $9,096 per individual.

The wise use of credit is a critical skill in today’s world. Used unwisely, however, credit can rapidly turn from a useful tool to a crippling burden. There are several warning signs that you may be approaching credit problems: (more…)

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Epic Capital Impact – Fall 2019

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Epic Capital Insights – Fall 2019

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Epic Capital Impact – Summer 2019

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