As the leaves turn and the air grows crisp, Halloween approaches once more. This is a fun time for costumes, candy, and spine-tingling tales of the unknown. But in the world of retirement, there’s something spookier even than ghouls and ghosts – the uncertainty of your health and increased costs as you age. We at HCG Secure want to encourage

For health insurance brokers as well as Medicare or ACA eligible consumers, heading into the annual open enrollment period (AEP) can feel overwhelming. To make sure both you, and your clients, are getting the most out of available offerings this AEP, staying organized, proactively scheduling time with clients for discussions about current coverage and future needs, and closely following changes

According to the Pew Research Center, 23% of American adults are now members of the Sandwich Generation, and they are facing an immense financial burden. This population spends $10,000 and 1,350 hours caregiving annually, on average.

This week’s blog comes from Steve Gresham, Managing Principal of NextChapter, a leadership community dedicated to improving retirement outcomes for everyone.

As most Americans consider retirement planning, mortgages, health care expenses, and reduced income are typically, and rightfully, top financial concerns. These considerations, however, are not alone in the debts and costs people need to account for before retiring. Other expenses, such as student loans, credit card debt, and car loans have traditionally high interest rates and can create unforeseen and

This month is an opportunity to recognize and work to reduce the unique challenges faced by those diagnosed with Alzheimer’s, dementia, and other forms of cognitive decline, as well as a chance to assess your own risk factors and steps you can take now to reduce your risk or delay the onset of brain diseases.

Along with policy reform and innovation in the insurance market, technology and the rise of artificial intelligence may play a role in providing for the extent of elder care needs in the coming years.

As May begins and we celebrate Older Americans Month, we at HCG Secure encourage you to reflect on the role of the public sector in addressing home care access, as well as your own personal finances and ability to afford extended care. Respect for Americans of all ages should be the norm, and this respect should be reflected through public

As much of the country emerges from dreary, cold, winter months, now is a great time to begin exercising more regularly and enjoying the spring warmth. Studies have shown that regular aerobic exercise, such as walking, jogging, biking, gardening and swimming, reduces the risks of early mortality by 30-35%.

The thought of buying life insurance for loved ones can create stress and tension, as no one wants to think about death and the ultimate loss of a loved one. It’s important to understand however, that the costs of care for family caregivers can create multi-generational financial challenges, as adult children continuously face the responsibility to care for parents and,