Insights from Encore

Here is a collection of finance-related news and information we consider worth knowing.

The content included here is meant for general use only; it is not to be considered advice.

Universal Life Insurance

Universal life insurance is permanent life insurance โ€“ that is, it remains in force for your whole life as long as the premiums are paid. But universal life insurance has an important difference from other types of permanent insurance: it provides a flexible premium....

Keep Your Life Insurance When You Retire

Keep Your Life Insurance When You Retire Some good reasons to retain it. Do you need a life insurance policy in retirement? One school of thought says no. The kids are grown, and the need to financially insulate the household against the loss of a breadwinner has...

Buy-Sell Agreements for Businesses

For most, creating an estate strategy is important to make sure your loved ones are taken care of after youโ€™re gone. But it may be just as important to have an estate strategy for your business. Whether youโ€™re a sole proprietor who will be passing on your business to...

Who is Your Trusted Contact?

This vital investment account question should be answered sooner rather than later. Investment firms have a new client service requirement. They must now ask you if you would like to provide the name and information of a trusted contact.1 You do not have to supply...

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Free parking downtown Petoskey. ... See MoreSee Less
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Wishing all of you a thankful season.Our offices will be closed Thursday and Friday. #thanksgiving2023 #thankfulforyou ... See MoreSee Less
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Does your health insurance agent help you understand your Medicare options? Ed Nissley, Financial Advisor received this note from someone looking to know about Medicare:"๐™๐™š๐™˜๐™š๐™ž๐™ซ๐™š๐™™ ๐™ฎ๐™ค๐™ช๐™ง ๐™ข๐™š๐™จ๐™จ๐™–๐™œ๐™š ๐™ค๐™ฃ ๐™ฅ๐™๐™ค๐™ฃ๐™š ๐™–๐™จ ๐™ฌ๐™š๐™ก๐™ก ๐™–๐™จ ๐™ฉ๐™๐™ž๐™จ ๐™š๐™ข๐™–๐™ž๐™ก. ๐™’๐™š ๐™™๐™ค ๐™˜๐™ช๐™ง๐™ง๐™š๐™ฃ๐™ฉ๐™ก๐™ฎ ๐™๐™–๐™ซ๐™š ๐™ฉ๐™๐™š ๐˜ผ๐™š๐™ฉ๐™ฃ๐™– ๐™จ๐™ข๐™–๐™ง๐™ฉ ๐™จ๐™–๐™ซ๐™š๐™ง ๐™™๐™ง๐™ช๐™œ ๐™ฅ๐™ก๐™–๐™ฃ. ๐˜ผ๐™›๐™ฉ๐™š๐™ง ๐™™๐™ž๐™จ๐™˜๐™ช๐™จ๐™จ๐™ž๐™ค๐™ฃ, ๐™ข๐™ฎ ๐™ฌ๐™ž๐™›๐™š ๐™–๐™ฃ๐™™ ๐™„ ๐™—๐™ค๐™ฉ๐™ ๐™–๐™œ๐™ง๐™š๐™š ๐™ฌ๐™ž๐™ฉ๐™ ๐™ฎ๐™ค๐™ช๐™ง ๐™ง๐™š๐™˜๐™ค๐™ข๐™ข๐™š๐™ฃ๐™™๐™–๐™ฉ๐™ž๐™ค๐™ฃ ๐™ฉ๐™๐™–๐™ฉ ๐™ฌ๐™š ๐™จ๐™๐™ค๐™ช๐™ก๐™™ ๐™จ๐™ฉ๐™–๐™ฎ ๐™ฌ๐™ž๐™ฉ๐™ ๐™ฉ๐™ง๐™–๐™™๐™ž๐™ฉ๐™ž๐™ค๐™ฃ๐™–๐™ก ๐™ˆ๐™š๐™™๐™ž๐™˜๐™–๐™ง๐™š ๐™–๐™ฃ๐™™ ๐™ค๐™ช๐™ง ๐˜ผ๐™š๐™ฉ๐™ฃ๐™– ๐™™๐™ง๐™ช๐™œ ๐™ฅ๐™ก๐™–๐™ฃ ๐™–๐™ฉ ๐™ฉ๐™๐™ž๐™จ ๐™ฉ๐™ž๐™ข๐™š.๐™„ ๐™™๐™ค ๐™ฌ๐™–๐™ฃ๐™ฉ ๐™ฉ๐™ค ๐™ฉ๐™๐™–๐™ฃ๐™  ๐™ฎ๐™ค๐™ช ๐™›๐™ค๐™ง ๐™ฎ๐™ค๐™ช๐™ง ๐™๐™š๐™ก๐™ฅ! ๐™„๐™› ๐™ฌ๐™š ๐™–๐™ง๐™š ๐™ข๐™–๐™ ๐™ž๐™ฃ๐™œ ๐™–๐™ฃ๐™ฎ ๐™˜๐™๐™–๐™ฃ๐™œ๐™š๐™จ ๐™ž๐™ฃ ๐™ฉ๐™๐™š ๐™›๐™ช๐™ฉ๐™ช๐™ง๐™š ๐™ฌ๐™š ๐™ฌ๐™ž๐™ก๐™ก ๐™—๐™š ๐™˜๐™ค๐™ฃ๐™ฉ๐™–๐™˜๐™ฉ๐™ž๐™ฃ๐™œ ๐™ฎ๐™ค๐™ช. ๐™„ ๐™ฉ๐™ง๐™ช๐™ก๐™ฎ ๐™™๐™ค ๐™–๐™ฅ๐™ฅ๐™ง๐™š๐™˜๐™ž๐™–๐™ฉ๐™š ๐™ฎ๐™ค๐™ช๐™ง ๐™จ๐™š๐™ง๐™ซ๐™ž๐™˜๐™š ๐™–๐™ฃ๐™™ ๐™๐™ค๐™ฃ๐™š๐™จ๐™ฉ๐™ฎ. ๐™„ ๐™ฌ๐™ž๐™ก๐™ก ๐™—๐™š ๐™ฅ๐™–๐™จ๐™จ๐™ž๐™ฃ๐™œ ๐™ฎ๐™ค๐™ช๐™ง ๐™ฃ๐™–๐™ข๐™š ๐™–๐™ก๐™ค๐™ฃ๐™œ ๐™ฉ๐™ค ๐™ค๐™ฉ๐™๐™š๐™ง๐™จ ๐™ฌ๐™๐™ค ๐™–๐™ง๐™š ๐™˜๐™ค๐™ฃ๐™จ๐™ž๐™™๐™š๐™ง๐™ž๐™ฃ๐™œ ๐™ˆ๐™š๐™™๐™ž๐™˜๐™–๐™ง๐™š ๐™ฅ๐™ก๐™–๐™ฃ๐™จ ๐™–๐™จ ๐™ฌ๐™š๐™ก๐™ก ๐™–๐™จ ๐™„ ๐™˜๐™–๐™ฃ๐™ฃ๐™ค๐™ฉ ๐™ž๐™ข๐™–๐™œ๐™ž๐™ฃ๐™š ๐™—๐™š๐™ž๐™ฃ๐™œ ๐™ฉ๐™ง๐™š๐™–๐™ฉ๐™š๐™™ ๐™—๐™š๐™ฉ๐™ฉ๐™š๐™ง ๐™–๐™ฃ๐™ฎ๐™ฌ๐™๐™š๐™ง๐™š ๐™š๐™ก๐™จ๐™š."Call 231-627-1023 to talk with an advisor.We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1โ€“800โ€“MEDICARE to get information on all of your options. Currently, we represent 16 organizations which offer 65 products in your area. You can always contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) for help with a plan. ... See MoreSee Less
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More hunting, this time it's birds!.Financial Advisor John Westenbarger went out with his wife Betty and their dogs Trapper, Teddy & Birch to harvest these beauties. That's Sandhill cranes, pheasants, snow geese, and sharp-tail grouse. What hunt will we see next???๐Ÿ‘€ ... See MoreSee Less
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Then Brock went out with his daughter last Saturday evening. This is Financial Advisor Roger Hughey's 11 yr. old Granddaughter with her 4th buck - an 8 point. First one with a bow! She shot it in Albion.Great harvest!๐ŸŽฏ#whitetail #juniorhunter #bowhuntress #fallhunting ... See MoreSee Less
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At Encore Financial Group, we are dedicated to helping members of our community achieve and maintain financial independence. We do this via a holistic approach to reducing risk, offering asset preservation and growth opportunity strategies and potential growth opportunities for our clients who love their family and are serious about their money.

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