Health and Life

• Life Insurance
  In my opinion, John Ryan is the most ethical and knowledgeable insurance professional, I know. As a fee-only planner, I have referred several clients to John to evaluate their policies and advise as appropriate. He has placed life insurance coverage for me personally and evaluated several of my older Whole Life policies. Many times he has not recommended a replacement but instead advised the client and me to retain the policies they already owned. I strongly recommend having a conversation with John to see how he can help with the insurance needs of your clients. He does not try to upsell and has the heart of a real Financial Planner. I count him a valuable member of my outsource team.
• Health Insurance
  Assistance with ADLs, called “custodial care,” may be provided in the same place as (and therefore is sometimes confused with) “skilled care.” Skilled care means medical, nursing, or rehabilitative services, including help taking medicine, undergoing testing (e.g. blood pressure), or other similar services. This distinction is important because generally Medicare and most private health insurance pays only for skilled care–not custodial care.
• Disability Insurance
  We specialize in assisting Fee-Only financial advisors with the evaluation and recommendation of life insurance, disability insurance and long-term care insurance for their clients. Below is an overview of the types of insurance solutions we offer.
• Long Term Care
  Living–sometimes referred to as ADLs. In general, if you can’t do two or more of these activities, or if you have a cognitive impairment, you are said to need “long-term care.”