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If you are considering getting a disability policy, it pays to know what to look for. Simply comparing prices (premiums) isn't enough. Here are a few basic guidelines to help you choose a coverage most suited for your needs.  It's fair to say that until recently, investors (and their advisors) were singularly focused on saving for retirement. Lately, however, the focus has shifted largely to how to make money last through retirement—a move from accumulation to decumulation.  Look out. There’s a new payroll tax in town. The new mandatory state payroll tax in Washington state under The Long-Term Care Trust Act is designed to fund long-term care benefits for its eligible residents. If you are employed in Washington (or will be), read on or download our whitepaper below. This new tax will affect you. 
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