Carstens Financial Group
  • Home
  • About Us
    • Pro-Am
  • Services
    • Retirement Income Strategies
    • Tax-Efficient Solutions
    • Investment Planning
    • Long-Term Care
    • Estate Preservation
    • Securities
  • Resources
  • Blog
  • Contact

Blog

When Is the Right Time for You to File for Social Security?

11/29/2016

 
Picture
If you’re approaching retirement, you’re likely facing a number of big decisions. Do you stay in your current home or downsize? How do you allocate your investments to minimize risk but also generate income? What are your plans to pay for medical expenses and long-term care?
​
Retirement is a major life transition, so it comes with a wide range of big decisions. One of the most important decisions you may make is when to file for Social Security. Many retirees want to file as soon as they’re eligible. That feeling is understandable. After all, you’ve been paying into the system for decades, and now you want to see your share of the benefits.

Read More

Did You Know Medicare Doesn’t Cover These 3 Expenses?

11/22/2016

 
Picture
Fidelity recently released an estimate that might shock many retirees. According to researchers, the average 65-year-old couple will spend $260,000 in retirement on health care costs.1 That figure represents out-of-pocket spending above and beyond Medicare coverage. It includes things like copays, deductibles, premiums, and more.

Many workers assume that Medicare covers all health care costs in retirement, but that assumption is often incorrect. Medicare is a valuable resource for many retirees. It covers hospitalizations, doctor’s office visits, and possibly even prescriptions, depending on your plan selections.

Read More

3 Reasons to Consider Indexed Universal Life as a College Savings Vehicle

11/15/2016

0 Comments

 
Picture
If you have children, you likely have some of the same hopes and dreams as other parents. You want your children to be happy and safe. You’d like for them to have strong friendships and be confident in themselves. And you likely want them to get a great education so they can have a successful career and financial stability.
​
Unfortunately, the rising cost of college has made it difficult for many parents to afford the kind of education they want for their children. According to a recent study, the average annual costs for “moderate budget” public and private schools in the United States are currently $24,061 and $47,831, respectively.

Read More
0 Comments

3 End-of-Life Planning Steps for Your Elderly Parent

11/8/2016

 
Picture
Watching your parents age is never easy. While you may prefer to remember them as the healthy, strong and vibrant individuals they were for most of their life, you may end up watching in real time as their strength, stamina or even cognitive ability begins to fade.
​
Very often, it’s clear when an elderly parent is transitioning into the final years of their life. They may have a diagnosis from a doctor that says they only have a certain amount of time left. Or their physical or mental capabilities may be on a steady decline.

Read More

    Kirt Carstens

    Carstens Financial Group focuses on providing comprehensive asset management, estate planning and life insurance solutions. Allow us to help you secure your financial future.

    Archives

    November 2020
    October 2020
    September 2020
    August 2020
    July 2020
    June 2020
    May 2020
    April 2020
    March 2020
    February 2020
    January 2020
    December 2019
    November 2019
    October 2019
    September 2019
    August 2019
    July 2019
    June 2019
    May 2019
    April 2019
    March 2019
    February 2019
    January 2019
    December 2018
    November 2018
    October 2018
    September 2018
    August 2018
    July 2018
    June 2018
    May 2018
    April 2018
    March 2018
    February 2018
    January 2018
    December 2017
    November 2017
    October 2017
    September 2017
    August 2017
    July 2017
    June 2017
    May 2017
    April 2017
    March 2017
    February 2017
    January 2017
    December 2016
    November 2016
    October 2016
    September 2016
    August 2016
    July 2016
    June 2016
    May 2016
    April 2016
    March 2016
    February 2016
    January 2016
    December 2015
    November 2015
    October 2015
    September 2015
    August 2015
    July 2015
    June 2015
    May 2015
    April 2015
    March 2015
    February 2015
    January 2015
    December 2014
    November 2014
    October 2014
    September 2014

    Categories

    All
    2020
    CARES Act
    COVID
    Economic Update
    Election
    Employer Plans
    Estate Planning
    Fed Chairman
    Financial Planning
    Fourth Quarter
    FRA
    Full Retirement Age
    Funding
    GDP
    Health Care
    Health Savings Account
    HSA
    Income
    Inflation
    Insurance
    Managing Medical Expenses
    Medicare
    Planning
    Portfolio
    Retirement
    Retirement Home
    Retirement Planning
    Retirement Strategy
    Risk
    Risk Tolerance
    Say Yes
    Social Security
    Stimulus
    Stock Market
    Supplemental Retirement Income
    Tax Planning
    The Market
    Working In Retirement
    Working Part Time
    Yes

    RSS Feed

Kirt Carstens, CLU, ChFC
Investment Advisor Representative
P: (712) 332-5960
F: (712) 332-5391

605 Hwy 71 S
Arnolds Park, IA 51331
Get Directions

Home     About Us     Services     Resources     Blog     Contact

This information is designed to provide a general overview with regard to the subject matter covered and is not state specific. The authors, publisher and host are not providing legal, accounting or specific advice for your situation.

Securities and Advisory Services offered through CreativeOne Securities, LLC Member FINRA/SIPC and an Investment Advisor.  Carstens Financial Group and CreativeOne Securities, LLC are not affiliated.
​
This information has been provided by a Licensed Insurance Professional and does not necessarily represent the views of the presenting insurance professional.  The statements and opinions expressed are those of the author and are subject to change at any time.  All information is believed to be from reliable sources; however, presenting insurance professional makes no representation as to its completeness or accuracy. This material has been prepared for informational and educational purposes only.  It is not intended to provide, and should not be relied upon for, accounting, legal, tax or investment advice. 

Check the background of an investment professional.  |  Privacy Policy
  • Home
  • About Us
    • Pro-Am
  • Services
    • Retirement Income Strategies
    • Tax-Efficient Solutions
    • Investment Planning
    • Long-Term Care
    • Estate Preservation
    • Securities
  • Resources
  • Blog
  • Contact