Life insurance living benefits: the riders that pay you while you're still here
Modern policies can pay a chunk of the death benefit to you if a terminal, chronic, or critical illness hits first. How accelerated death benefit riders work in Nevada, what they cost, and how the taxes play out.
Fixed annuities vs. CDs in Nevada: where to keep your safe money
Both protect your principal — but they differ on rate, taxes, access, and what backs them. A plain-English comparison of bank CDs and fixed (MYGA) annuities for Nevada savers.
No-exam life insurance in Nevada: faster coverage, and when it's worth it
Dreading the exam — or afraid a health condition means "no"? The three no-exam paths — accelerated, simplified issue, and guaranteed issue — what each costs, and which one actually fits.
Blended families in Nevada: how to provide for your spouse and your kids
"Everything to my spouse" can quietly disinherit children from a first marriage. How Nevada community property changes the picture — and how life insurance and a trust keep both sides of the family whole.
Do you need a living trust in Nevada? Avoiding probate, explained
A will doesn't skip probate — a properly funded living trust does. How Nevada probate really works, what a trust changes, and why Nevada is one of the best states in the country to hold one.
HSAs & high-deductible health plans: the triple tax advantage most Nevadans miss
Lower premiums in exchange for a higher deductible — and the only account the IRS taxes on none of three sides. The 2026 numbers, why Nevada makes it cleaner, and who it actually fits.
Life insurance for Nevada business owners: buy-sell & key-person coverage
A partner's death or the loss of a key employee can unravel a healthy company overnight. How buy-sell agreements and key-person coverage keep the business — and your family's stake in it — intact.
Critical illness & accident insurance: cash when a diagnosis hits
Your health plan pays the hospital — not the deductible, the drive to Reno for treatment, or the missed paychecks. How supplemental cash coverage fills that gap in Nevada.
Do you still need life insurance in retirement?
The kids are grown and the mortgage is nearly gone. When it's smart to keep coverage, when it's fine to let it go, and the term-conversion move you shouldn't miss.
How much life insurance do you actually need?
Skip the "10x your income" rule. The DIME method, what to subtract for coverage and savings you already have, and the Nevada details that quietly change your number.
Fixed vs. fixed indexed annuities: growth without the market risk
Two of the most misunderstood retirement tools in Nevada. How each earns interest, what caps and floors really mean, and how to tell which one fits your money.
The Medicare help most eligible Nevadans never claim
Extra Help lowers Part D drug costs; a Medicare Savings Program can pay your Part B premium and more. Nevada's 2026 income limits and how to apply.
Final expense insurance: the small policy that keeps a hard week from getting harder
What final expense insurance actually covers, how it differs from term and whole life, simplified vs. guaranteed issue, and how to tell if you actually need it.
Still working at 65? How Medicare enrollment really works
The employer-size rule that decides if Medicare is optional, the HSA trap most people miss, and the 8-month window that opens when you finally stop working.
Long-term care insurance: the decision most families put off too long
Traditional LTC insurance vs. hybrid life/LTC policies: what each actually covers, what drives the cost, and how Nevada's Partnership Program protects your assets.
Your will doesn’t decide who gets your IRA. Your beneficiary form does.
IRAs, 401(k)s, annuities and life insurance pass by beneficiary form, not by will. The classic mistakes that send retirement assets to probate or the wrong person — and Nevada’s community-property wrinkle.
Health insurance in Nevada when there's no employer plan attached
Self-employed or between jobs? A clear comparison of Nevada Health Link, short-term plans, COBRA and association plans — costs, subsidies, and where people get burned.
What happens to your paycheck if you can't work?
Nevada has no state disability insurance program. Here's what actually replaces your income after an illness or injury, what it costs, and who needs it most.
Medicare Enrollment Periods in Nevada: AEP, OEP & SEP Explained
AEP, the Medicare Advantage OEP, Medigap open enrollment, and Special Enrollment Periods — the dates that matter and what changes on each one.
Does Medicare cover long-term care? The honest answer for Nevada
Medicare's skilled-nursing benefit is capped at 100 days and never covers custodial care. Here's what nursing homes and assisted living actually cost in Nevada, and how families here really pay for it.
How a guaranteed-income annuity can pay your IRA's RMDs for you
One IRS rule most retirees have never heard of: lifetime withdrawals from an IRA annuity can cover the RMDs on your IRA brokerage account too — so it keeps growing tax-deferred, insulated from down markets.
Medicare's GLP-1 Bridge: $50/month weight-loss coverage starts July 2026
Who qualifies for the new CMS demonstration, which medications are included, the fine print on the $50 copay, and what to do before the program ends December 31, 2027.
Term, whole life, or IUL? How to actually think it through
A working framework for choosing life insurance: what each type is for, key design decisions, honest pros and cons, the risks nobody mentions, and alternative structures worth considering.
Start with the cornerstone guide
The single biggest Medicare decision, explained for Nevadans: Medicare Advantage vs. Medicare Supplement — what each covers, what each costs, and how to choose for your doctors and your budget.