Right On The Money Show

Kirt Carstens Talks About
​Troubled Times

The keyword this year is “volatility” according to Kirt Carstens, a financial advisor from Arnolds Park, IA, who says volatility in the market, with oil, the pandemic and the election requires people to pay closer attention and sift through more information than usual to figure out what is best for them. We must learn from past volatile times like 1987, 2002, 2008, and look at ways of using different tools and putting protections in place to address financial uncertainty and concerns. What’s right for you depends on your stage of life, and saving and investing goals, as well as income needs.

The Search for Yield When
​ Interest Rates are Low

Because the population is aging, we have more people trying to save money, rather than spend according to Kirt Carstens, president of Carstens Financial Group. People used to rely on bank interest or a small pension to supplement their Social Security. Since interest rates are trending lower, we have to look for alternatives. Determining the best yield options for a client depends on the time horizon and their
​risk tolerance.

Options for Long-Term
​Care Insurance

With people living longer and needing more care, more and more people are questioning how they will pay for long-term care in the future if they need it. There are a few hurdles, with fewer companies than ever before offering it and constant rate increases. Kirt Carstens with Carstens Financial says there are some multi-use, hybrid life insurance products that consumers may want to consider that offer benefits like level premiums, more lenient underwriting, and flexible use depending on if you are a single, couple or a benefit survivor. ​

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