Ann-Marie Harrington

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The issue of whether or not to obtain travel insurance when planning a trip is a tricky one. There is much to consider, but, in the end, it’s mainly a question of costs. For instance, if you’re taking a trip stateside and your total budget is around $3,000 dollars or less, you’re probably not going … Read more

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If retirement investment decisions were straightforward and the same for everyone, a simple Google search might be able to tell you what you should do. However, like all investors, you are a person with unique goals, a unique situation, and individual strengths and challenges in making investment choices. That makes investing more complicated, but knowing … Read more

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Risk is an inevitable component of investing, and market volatility is one of the factors that create investment risk. A large part of dealing with risk is working with an advisor who can help you manage your expectations and guide you through the ups and downs of a turbulent market. There is no single, universally … Read more

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As women embark on or continue in their professional lives, they also navigate through financial waters. Anecdotally, over the past several decades, women have become more engaged in the workforce and more financially literate and in some instances may even be the “CFO” of their households. Many women are now the breadwinner or co-breadwinner for their household.1 … Read more

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Members of the Sandwich Generation – adults who are tasked with caring for aging parents and dependent children at the same time – face many challenges. United Capital’s Vice President of Risk Management shared her own experience with planning for these challenges in a recent blog post. These middle-aged adults face financial pressures as well … Read more

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Both annuities and life insurance can be used as investment vehicles with tax-deferred growth. We’ve previously dug deep into the evolution of retirement annuities, but it’s important to understand the pros and cons of each investment vehicle before putting your money into them. Annuity basics Before we dive into the differences, let’s break down the basics. An annuity is … Read more

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I recently read a blog from a young millennial former insurance agent who was practically begging Amazon (or one of the other dominant online companies) to enter the insurance business. Her chief complaint about the insurance business? Way too slow and too much paperwork, which could be handled more efficiently with digital technology. Like what … Read more

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In a previous blog article, I shared some important information about the concierge services that are available to clients from most of the major insurance companies. These services may provide invaluable assistance to older folks who are in need of guidance about the medical resources available to them in their local area. The subject of … Read more

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Have you ever heard the phrase, “teamwork makes the dream work”? This phrase can be used for everything from organized team sporting events or activities to jobs and even creating long-term investing plans. Individuals have their unique skills, so when building a team, it’s important to promote collaboration to get everyone’s expert ideas and bring … Read more

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According to the U.S. Department of Health and Human Services, nearly 70% of men and women who reach the age of 65 will require some form of long-term care in their lives, and it isn’t cheap. On average, an individual will spend $140,000 if paying for long-term care out of pocket. And yet, only 7.2 … Read more