Robert Moore

Medicare Annual Enrollment for 2027 coverage will not be a “set it and forget it” season. Plan benefits, drug coverage, provider networks, premiums, and costs can change from year to year. Even people who like their current plan should review their options before the deadline. For 2027 coverage, the Medicare Annual Enrollment Period is expected to follow the usual fall schedule, October 15 through December 7, 2026, with coverage changes starting January 1, 2027. CMS may update guidance, plan...

When a new Fed Chair takes the podium, the very first domino to fall isn’t the stock market—it’s the bond market. Specifically, bond yields (the return investors get for holding government debt). When the Fed signals that interest rates might stay higher for longer, it triggers an immediate, sometimes violent reaction in stock trading. But right now, that fire is being fueled by an even larger global catalyst: foreign investors are selling off U.S. government bonds. The Global Factor: Foreign...

There are moments in life that change everything in an instant. The loss of a spouse or parent is one of them. Beyond the emotional devastation, families are often left facing a harsh financial reality—mortgages still need to be paid, children still need to be raised, and everyday life doesn’t pause for grief. This is where term life insurance quietly becomes one of the most important financial decisions a person can make. The Immediate Financial Impact When a primary earner passes away...