March Madness reminds us life is unpredictable. Why income protection, voluntary benefits, and retirement planning matter more than ever.

What happens if you’re out of work for six weeks after surgery? Learn how short-term disability protection can safeguard your income.

Cancer rarely shows up the way we expect. Over decades of working with families, I’ve seen how often the diagnosis isn’t what causes the greatest stress — it’s the financial strain that follows. Lost income, travel, and everyday expenses add pressure when families are already overwhelmed. Preparation matters more than most people realize.

Every holiday season, familiar Christmas movies remind us that peace of mind comes from preparation. Many retirees unknowingly build their future on “maybes” — hoping markets stay strong and savings last long enough. Retirement doesn’t reward assumptions; it rewards certainty. When part of your income is protected and guaranteed, stress decreases, confidence increases, and decisions become clearer. Retirement planning isn’t about chasing returns — it’s about protecting income

Retirement is starting to feel a lot like Pac-Man—longer mazes, faster threats, and four financial “ghosts” chasing your income. In this fun yet eye-opening guide, discover how Inky, Pinky, Blinky, and Clyde represent the biggest retirement risks and the one strategy that makes it impossible to outlive your money.

I was reading an article recently in a newsletter I subscribe to that really resonated with me. It started off with this line... "There...