• The JR LTD Parallel

    Often when speaking to clients about the need for Long-term disability insurance their eyes glaze over when I tell them it provides protection by replacing a portion…

  • The Curious case of IRS Section 79.

    The protection sought with Section 79 of the U.S. Internal Revenue Code is going backward. In the novel The Curious Case of Benjamin Button by F. Scott…

  • IRMAA’s into B & D

    IRMAA stands for Income-Related Monthly Adjustment Amount. Many pay premiums for Medicare Parts B and D, but high income enrollees may pay more.

  • The Bad Peppercorn

    This started with a chicken Caesar Salad. You know, the kind at the grocer, all in one bag kind of thing. The breasts were perfectly seasoned and…

  • Normal is not a cure for HIV

    One night coming back from a Board Meeting of a nonprofit in the Castro I snapped this photo through the window of the Duboce Cafe. Normal. All…

  • Private Exchanges

    I’m at the Choice Administrators road show for their private exchange product that has been writing multi-carrier health insurance for small business in California for 20+ years….