You are invited to tune in to the next Wicked Insurance Matters with Greg Durette Radio Show which airs LIVE, this and every Wednesday, 9:30 – 10:00am Eastern time. 

This week’s show is titled, Elder Financial Abuse Prevention.

Elder Financial Abuse. 

It is a dirty, disgusting term that makes most normal folks cringe at the thought of such a thing.  The sad fact is, it is out there...in your community...maybe in your own family...in so many forms and in so many paces, many consider it an epidemic.  Go figure that.

This week, I am privileged to have Barbara-Anne Foley, Executive Director of the Harwich Council on Aging, as my special guest to help address this subject.  In addition to her many duties in this important role, she has been able to leverage her experience with thousands of seniors and the stories they have told about financial abuse, by working with in partnership with the Harwich Police Department, trying to warn seniors about these frauds and scams.

For those of you who do not know her, Barbara-Anne began her career in mental health and career counseling in Braintree, MA.  She also worked in an adult day care center and a nursing center on Cape Cod before landing her dream job with the Harwich Council on Aging in 1999.  She can be reached there at (508) 730-7550.

She has developed a primary focus on Alzheimer's disease and hoarding, both population of which are growing in leaps and bounds.

In 2006, when her own father lost his 10 year battle to Alzheimer's disease, she and her family started the "Remembery Walk ---Dave Birtwell Memorial", raising over $150,000 to date for Alzheimer's patients and their families.

This show will hopefully help you understand:

• How to recognize #ElderFinancialAbuse
• The different types of financial abuse
• How to uncover it in your own family
• What to do about it once you do discover it

This is an important show.  Please tune in and tell as many people as you can to do so as well.

You need to get the facts and get them right.  Start by listening to the show and get professional advice from folks like us at #FutureSecuredFinancial.  That can help you get started on your “Guided Research”. 

FYI, you can find info about this upcoming show or any previous show on my blog at www.FutureSecuredFinancial.com , Twitter @GregDurette, LinkedIn at Gregory Durette and Facebook at Future Secured Financial. 

There are also other videos YouTube at Future Secured Financial with Greg Durette.  You can navigate to all these social media via my website too.

Please, feel free to call in with any questions you may have that you want heard on the air.  The phone number to call in is 845-241-9956.

Keep in mind, all shows are recorded so, if you miss one, just go to my blog to look it up and listen in.  You can listen to last week’s Veterans Day show right here, The Nightmare Inheritance.

The following week’s show (11/25/15) is called “Turkey Table Talk - The importance of Real Financial Talk with Family on Thanksgiving”.   It will dive into why you need to take the opportunity of holidays to get into real conversations with your family about real financial issues.

Thanks and keep those show topic suggestions coming!

In case you missed today’s show, I invite you to tune in here and listen to the  Wicked Insurance Matters with Greg Durette Radio Show which airs LIVE, this and every Wednesday, 9:30 – 10:00am Eastern time. 

I did a special tribute to the 4 branches of our military in an attempt to honor and acknowledge their incredible sacrifice to make our country great.  Thanks to them, we can have a show like this to solve problems we would not otherwise have the privilege to have. 

The title of the show is, The Nightmare Inheritance!  What the real show title should be is, “How to Prevent Your Dreams of Leaving the Perfect Inheritance from Becoming a Nightmare” .

You can read my blog post here to get more details about the entire show content.  Right now, I just wanted to highlight my appreciation for our veterans and what they have done for us all.  I hope you enjoy the show.

You are invited to tune in to the next Wicked Insurance Matters with Greg Durette Radio Show which airs LIVE, this and every Wednesday, 9:30 – 10:00am Eastern time. 

This week’s show is titled, The Nightmare Inheritance!.  What the real show title should be is, “How to Prevent Your Dreams of Leaving the Perfect Inheritance from Becoming a Nightmare” .

Leaving or receiving an inheritance seems like the most simple and wonderful thing that can happen for a person.  It is...if done right.  If done wrong, the financial, legal and life altering consequences can be devastating.

This show will get into the nitty gritty about

• How to avoid common mistakes when leaving an inheritance
• How not to leave an inheritance
• How a divorce can steal your inheritance from your children and grandchildren
• How to avoid the most devastating inheritance mistake

After over 32 years in the insurance side of the financial world, I can bring a new perspective to this subject that only time, experience and exposure to some pretty unsavory family battles can provide.

It is far better to learn about these things and avoid them than it is to experience them yourself and maybe survive to tell about them later.

Your family needs you to know.  You need to know.

You need to get the facts and get them right.  Start by listening to the show and get professional advice from folks like us at #FutureSecuredFinancial.  That can help you get started on your “Guided Research”. 

FYI, you can find info about this upcoming show or any previous show on my blog at www.FutureSecuredFinancial.com , Twitter @GregDurette, LinkedIn at Gregory Durette and Facebook at Future Secured Financial. 

There are also other videos YouTube at Future Secured Financial with Greg Durette.  You can navigate to all these social media via my website too.

Please, feel free to call in with any questions you may have that you want heard on the air.  The phone number to call in is 845-241-9956.

Keep in mind, all shows are recorded so, if you miss one, just go to my blog to look it up and listen in.  You can listen to last week’s show right here, Avoiding Legal/Financial Pitfalls.

The following week’s show (11/18/15) is called “How to do Something About and Prevent Elder Financial Abuse”.   We will have special guest Barbara Anne Foley, Director of the Harwich Council on Aging, who will give us all invaluable information from her unique perspective and position.

Everyone knows they need to do some sort of estate planning but, often and understandably avoid the subject.  After all, who among us really wants to sit down and plot out their own demise?!  The sad fact is, if you don't, all of your best intentions will likely get destroyed, leaving your family to pick up the very tedious and expensive pieces.

This was the subject of my last show, #WickedInsuranceMatterswithGregDurette, heard every Wednesday from 9:30 - 10:00am Eastern Time! 

This show, which can be heard here: Avoiding Legal/Financial Pitfalls

will help you understand:

• How to avoid the number one estate planning mistake
• Why one size planning does not fit all
• How mistakes in planning could mean years of heartache and headache for your family
• Why inheritances can mess up certain members of your family

I was fortunate to have had attorney Richard Scarano as my special guest this week to discuss this very thing.  Born and raised in Boston, he attended the prestigious Boston Latin School and later went on to earn his Bachelors, Master's and Juris Doctorate degrees.  First a school teacher (high school, undergraduate and graduate), he later pursued the practice of law, with concentrations in Estate Planning and Real Estate.  His teaching background serves him and his clients well as he is able to take otherwise complex issues and make them easy and fun to understand.   

As one of the partners at Holmgren Koretz Scarano in Osterville, MA, Rich makes the heavy lifting of building a great legal and financial team easy.  He can be contacted at (508) 420-8899

In my 32+ years in the insurance industry, I have had the good fortune to work with many legal professionals.  Most are good.  Rich is one of the very best because he understands people and their issues.  He even makes house calls!

EVERYONE needs expert information when it comes to the subject of #Insurance and #EstatePlanning.  Listen in and get informed.

No…we are not offering kill you before you do…although, I bet that service could do well in certain markets.
KIDDING!!!  I am just kidding!

What I am really talking about is how to make your money last no matter how long you live.

This was the subject of my last show, #WickedInsuranceMatterswithGregDurette, heard every Wednesday from 9:30 - 10:00am Eastern Time!  In case you missed it, I have included a link for the archived show here:

http://www.blogtalkradio.com/wickedhousewivesofcapecodtoo/2015/10/28/greg-durette-with-wicked-insurance-matters-imagine-never-outliving-your-money

The number one concern of people over the age of 50 is to have saved too little to keep them in the lifestyle they want in retirement.  Remember, retirement can last a VERY long time…if you’re lucky!  The trick to have your money last as long as you do.

In the show, I use the knowledge I have accumulated over the past 32 years and talk about:

• How to avoid the common pitfalls of using your money
• The profound differences between withdrawals and income
• How index income riders work
• How to beat inflation erosion
• Plus, we even give away a book!

Unless you handle this Distribution phase of your life properly, you will find yourself having to acquire a taste for cat food sooner than you think!  So tune in and get started on the right path before it is too late.

I would also like to invite you to listen in, LIVE, to our next show airing Wednesday, 11/4/15 from 9:30-10:00am eastern time, titled, Avoiding Legal/Financial Pitfalls.  We will have special guest, Richard Scarano, a partner at the law firm, Holmgren Koretz Scarano talking about the importance of having a great team of professionals that know how to work together for you.

He will also talk about:

• How to avoid the number one estate planning mistake
• Why one size planning does not fit all
  
• How mistakes in planning could mean years of heartache and headache for your family
• Why inheritances can mess up certain members of your family

You need to get the facts and get them right.  Start by listening to the show and get professional advice from folks like us at #FutureSecuredFinancial.  That can help you get started on your  “Guided Research”. 

So, why should you make listening to my show a regular part of your life.  Simply put, it is designed to help folks avoid situations like this and offer true, legitimate and impartial information about things like:

•   #LifeInsurance
•   #Annuities
•   #LongTermCare Insurance
•   #Disability Insurance, etc.

I, along with some other expert guests, will explain the myriad of choices found with these products and how you can apply your new found knowledge to your life situations.  Big things such as:

• #Retirement
• #Estate planning
• #College planning
• #Inheritance planning
• #Business applications
• #ElderFinancialAbusePrevention
• #SpecialNeeds planning and so much more

Water cooler conversation and what you heard from your cousin Vinny at the family picnic will simply not do. 

Feel free to use our show as your #DirtyLittleSecret as to why you are the smartest insurance person in the room.

Many people are shy or embarrassed to ask questions insurance.  They think they will look stupid or are the only ones that don’t know the answer.

Nothing could be further from the truth.  EVERYONE needs expert information when it comes to the subject of #Insurance.  Listen and get informed.

The old joke is, when you hear the words “I’m from the government and I’m here to help”, you should RUN!!!

That may be true in many instances but this time, there is something good to be found…really…I kid you not.

I discussed this very subject in my last show, #WickedInsuranceMatterswithGregDurette, heard every Wednesday from 9:30 - 10:00am Eastern Time!  Since we archive each show, you can listen to this episode right here:

http://www.blogtalkradio.com/wickedhousewivesofcapecodtoo/2015/10/21/greg-durette-with-wicked-insurance-matters-how-the-govt-is-helping-with-ltc  

The government started a little pilot program many years ago called the Partnership Program with just 4 States that has grown to include nearly every State.

What it does is provide people an asset exclusion incentive to go out and buy their own #LongTermCare insurance.  Simply put, buy a “qualifying” policy on your own, and they will exclude a large chunk of your assets that would otherwise need to be spent down to qualify for #Medicaid.  

After 32 years in the industry, I understand it can be very confusing to know which type of Long Term Care policy may be right for you…and the internet can make things worse.

So, this show got into the weeds a little bit to try and help you understand:

• What types of Long Term Care policy types are available
• Who should buy them
• How much to buy
• What to look for when making a purchase
• What HYBRID policies are and how they work

The purchase of the right Long Term Care policy can have a positive, profound and life altering impact on you, your family and your heirs.  The purchase of the wrong could have an exponentially negative impact. 

You need to get the facts and get them right.  Start by listening to the show and get professional advice from folks like us at #FutureSecuredFinancial.  That can help you get started on your  “Guided Research”. 

So, why should you make listening to my show a regular part of your life.  Simply put, it is designed to help folks avoid situations like this and offer true, legitimate and impartial information about things like:

•   #LifeInsurance
•   #Annuities
•   #LongTermCare Insurance
•   #Disability Insurance, etc.

I, along with some other expert guests, will explain the myriad of choices found with these products and how you can apply your new found knowledge to your life situations.  Big things such as:

•   #Retirement
•   #Estate planning
•   #College planning
•   #Inheritance planning
•   #Business applications
•   #ElderFinancialAbusePrevention
•   #SpecialNeeds planning and so much more

Water cooler conversation and what you heard from your cousin Vinny at the family picnic will simply not do. 

Feel free to use our show as your #DirtyLittleSecret as to why you are the smartest insurance person in the room.

Many people are shy or embarrassed to ask questions insurance.  They think they will look stupid or are the only ones that don’t know the answer.

Nothing could be further from the truth.  EVERYONE needs expert information when it comes to the subject of #Insurance.  Listen to our next show on Imagine Never Outliving Your Money! on 10/28 and get informed.

Sometimes, it’s because they deserve it!  The trick is, knowing how to identify and select from some of the really outstanding annuities that exist today.

That was the subject of my last show, #WickedInsuranceMatterswithGregDurette, which is heard every Wednesday from 9:30 - 10:00am Eastern Time!  Since we archive each show, you can listen to this episode right here:

http://www.blogtalkradio.com/wickedhousewivesofcapecodtoo/2015/10/14/greg-durette-with-wicked-insurance-matters-why-annuities-get-a-bad-rap

With 32 years industry experience under my belt, I can say I am pretty confident in how to analyze the myriad of annuities available in the market.

I know it can be confusing for folks that choose to take a deep dive into the internet.  The terms can be redundant, there are endless products names and countless features that all profess to be “The Best”..

This show tried to make sense of things by talking about:

ü  The limiting features of the “old” style #annuities
ü  What #annuitization really is and why you should avoid it
ü  A brief overview of the categories of annuities
ü  Benefits of modern day #FixedIndexAnnuities
ü  How to #inflationProof your retirement income
ü  How to completely eliminate the #risk of #MarketLoss

 Annuities are powerful tools that look virtually nothing like the old style you may have heard about from your parents or grandparents.

These are sophisticated financial products with amazing consumer oriented benefits that can be found nowhere else.

You will never know if one is right for you unless you do what we call “Guided Research”.  That is, talk with us and get a roadmap BEFORE heading out into the wilds of the internet.  You will avoid many headaches and confusion, as well as, save yourself hours of dead-end searches.

So, why should you make listening to my show a regular part of your life.  Simply put, it is designed to help folks avoid situations like this and offer true, legitimate and impartial information about things like:

·        #LifeInsurance
·        #Annuities
·        #LongTermCare Insurance
·        #Disability Insurance, etc.

I, along with some other expert guests, will explain the myriad of choices found with these products and how you can apply your new found knowledge to your life situations.  Big things such as:

Ø  #Retirement
Ø  #Estate planning
Ø  #College planning
Ø  #Inheritance planning
Ø  #Business applications
Ø  #ElderFinancialAbusePrevention
Ø  #SpecialNeeds planning and so much more

Water cooler conversation and what you heard from your cousin Vinny at the family picnic will simply not do. 

Feel free to use our show as your #DirtyLittleSecret as to why you are the smartest insurance person in the room.

Many people are shy or embarrassed to ask questions insurance.  They think they will look stupid or are the only ones that don’t know the answer.

Nothing could be further from the truth.  EVERYONE needs expert information when it comes to the subject of #Insurance.  Listen to our next show on How the Government is Helping You Buy Long Term Care Insurance on 10/21 and get informed.

It’s simple…just tune in to my show, #WickedInsuranceMatterswithGregDurette, every Wednesday from 9:30 - 10:00am Eastern Time!  In particular, our last show right here:

http://www.blogtalkradio.com/wickedhousewivesofcapecodtoo/2015/10/10/greg-durette-with-wicked-insurance-matters-choose-the-right-life-insurance

Over my 32 years in the industry, I have had the opportunity to not only learn a great deal about the available products but also, how to properly evaluate them and know the right people to work with in such endeavors.

This show covers:

•  The different types of #life insurance available
•  How each different type could impact your #future
•  The very best ways to analyze each for your situation
•  How certain types of life insurance are used as an #asset for retirement…not just death benefit
•  The many unique #tax advantages of certain life insurances
•  One clever technique used by many to create #TAXFREE retirement income

This show, I was fortunate to be able to have #SethLegatowicz as my guest. Seth is one of the country’s top experts in the life insurance industry. He has helped thousands of clients across the country find the best priced options on their life insurance.  He has unique and powerful insights into the many uses of life insurance as a financial tool that reach far beyond simple #deathbenefit. 

FYI, Seth’s direct contact info is email at [email protected] or telephone at 214-272-2769.

Life insurance can be a very confusing and consequently, paralyzing thing.  Sometimes, the myriad of choices and reasons for getting it cause people to simply choose to avoid the subject altogether.

How unfortunate for those relying on you to have it when needed! 

It is not rocket science to know no one has a crystal ball to foretell their own death.  If we did, you could make the perfect decision just prior to death and avoid all those years of premiums…right? 

There are 3 things to consider: 

1. You will get older (happens day by day)
2. You will likely develop some sort of #health issues as you do 
3. You will die

I can guarantee two of those things will happen.  With any luck, it will be 1 and 3.  I can also guarantee two of those things will cause your premium to increase.

There was a client we had that, while relatively young (late 30’s), found himself in a #divorce.  Since the life insurance he had was for the benefit of his spouse, he thought it would be best to let it lapse and get something cheaper later.  Since he was in excellent health, he thought it would be the smart thing to do. 

As it turned out, it wasn’t.  Within 6 months he was diagnosed with stage 4 cancer.  The ability to get insurance now and for many years to come would now be zero.  Even then, when he would somewhat qualify, the cost would be through the roof.  

He has since beat the cancer but, is now living with the stress of knowing his two teenage children will be on their own for things like college, cars, even housing, should his cancer return or worse. 

Those 3 considerations are most commonly thought of as taking the course of number 1 followed long after by number 3.  That is not always the case.  The likelihood is all three will occur.

My show is designed to help folks avoid situations like this and offer true, legitimate and impartial information about things like:

• #LifeInsurance
• #Annuities

• #LongTermCare Insurance
• #Disability Insurance, etc.

I, along with some other expert guests, will explain the myriad of choices found with these products and how you can apply your new found knowledge to your life situations.  Big things such as:

• #Retirement
• #Estate planning
• #College planning
• #Inheritance planning
• #Business applications
• #ElderFinancialAbusePrevention
• #SpecialNeeds planning and so much more

Water cooler conversation and what you heard from your cousin Vinny at the family picnic will simply not do. 

Feel free to use our show as your #DirtyLittleSecret as to why you are the smartest insurance person in the room.

Many people are shy or embarrassed to ask questions insurance.  They think they will look stupid or are the only ones that don’t know the answer.

Nothing could be further from the truth.  EVERYONE needs expert information when it comes to the subject of #Insurance.  Listen to our next show on Why Annuities get a Bad Rap at Wicked Insurance Matters with Greg Durette on 10/14/15 and get informed.

As a 32 year veteran of the insurance industry, I can absolutely say yes!  In addition to running Future Secured Financial, a financial services insurance agency, I am now the host of #WickedInsuranceMattersRadioShowwithGregDurette.  It can be heard live, every Wednesday from 9:30 - 10:00am Eastern Time.
You can listen to our debut show here:

 http://www.blogtalkradio.com/wickedworldradio/2015/09/30/greg-durette-with-wicked-insurance-matters-financial-insurance-1

Being my debut show, we wanted to answer a few key questions such as:

• Which topics will be covered
• How to check out ANY insurance or financial services broker or agent
• How to check the financial status of ANY insurance company
• How to research individual products THE RIGHT WAY
• How to use the internet and AVOID confusion
• What type of information is important for each
• Why you need to listen each and every week!

I began all those many years ago when I was in college.  I put up a couple of walls in my parents garage, got a desk, a phone and some insurance carriers (after obtaining the appropriate licenses, of course) and began selling auto, home and life insurance to the local community.  I now operate all across the country helping individuals, families and businesses.

Insurance is one of the most misunderstood and maligned products you can find anywhere.  Insurance agents are often the butt of many jokes and are considered by some to be a step above used car salespeople and a step below attorneys (apologies to my car dealer and attorney friends)!

Charlatans like Bernie Madoff don’t make it any better.  As a result of his criminal activities and the few others like him (I call them #mini-madoffs), people are naturally on guard when considering the purchase of these financial products.  That’s too bad because, the vast majority of the industry is populated with excellent, well-informed professionals with nothing but the best interests of their clients at heart.

So, where is someone to turn to for legitimate, impartial information about things like:

•       #LifeInsurance
•       #Annuities
•       #LongTermCare Insurance
•       #Disability Insurance, etc.

I hope our show can help.  We will explain the myriad of choices found with these products and how you can apply your new found knowledge to your life situations.  Big things such as:

•  #Retirement
•  #Estate planning
•  #College planning
•  #Inheritance planning
•  #Business applications
•  #ElderFinancialAbusePrevention
•  #SpecialNeeds planning and so much more

Water cooler conversation and what you heard from your cousin Vinny at the family picnic will simply not do. 

Feel free to use our show as your #DirtyLittleSecret as to why you are the smartest insurance person in the room.

Many people are shy or embarrassed to ask questions insurance.  They think they will look stupid or are the only ones that don’t know the answer.

Nothing could be further from the truth.  EVERYONE needs expert information when it comes to the subject of #Insurance.  Listen to Wicked Insurance Matters with Greg Durette on 10/07 and get informed.

Please tune in to my upcoming show this Wednesday at 9:30am eastern time when I will discuss all you ever wanted to know about life insurance with special guest, Seth Legatowicz of Independent Planners Group!

http://www.blogtalkradio.com/wickedhousewivesofcapecodtoo/2015/10/07/greg-durette-with-wicked-insurance-matters-choose-the-right-life-insurance