Financial Planner Colorado Springs

The term "financial planning" has been misused to the point that it has become synonymous with insurance and securities - with "product sales" being the real agenda.

True financial planning, however, is about strategy creation that results in a roadmap to success. It involves taking a comprehensive view of one's current reality (including individual lifestyle, income and personal relationships), establishing clear, realistic goals for the future, and setting a sound course to achieve those objectives. Financial planning should always focus on unbiased advice uniquely tailored to each individual's circumstances. It should never be about product sales or commissions.

At Carnick & Company we only have one product to offer: impartial financial advice.

NAPFA, Fee Only, D&B

Is Long Term Care Insurance Dead?

According to a recent article in The Wall Street Journal, when Prudential Financial announced that it plans to stop taking applications for individual long term care (LTC) insurance policies on March 30, 2012, it became the 10th of the top 20 insurers by sales to leave the LTC market in the last five years. To compound the problem of insurers leaving the LTC market, many of the remaining insurers have raised premiums dramatically for existing policyholders in recent years.

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