Tuesday, July 9, 2019

Venison for Thanksgiving?

Monday, April 22, 2019

Managing Public Speaking Anxiety

Brad Liebe, the owner of KK&B Financial Services, helps clients identify their financial goals and obtain various retirement products. He provides financial information through one-on-one consultations and group seminars. Skilled in public speaking, Brad Liebe presented motivational seminars with Rick Olson Seminars for several years.

Regardless of how skilled you are at public speaking, there will always be situations that make you feel nervous. Fortunately, this anxiety is manageable.

One way to manage public speaking anxiety is by being well-prepared for your speech. If you can, choose a topic that interests you, or present the topic in a way that excites you. By being enthusiastic, you’ll interest your audience in your speech.

Another way to manage anxiety is by changing the way you think about public speaking. Don’t expect perfection from yourself, and recognize that everyone makes mistakes. Focusing on mistakes magnifies your imperfections in your mind and makes you even more nervous about exposing them to an audience. 

In addition, you should not equate public speaking with your self-worth. Public speaking is only a small part of your life and has little or no impact on the way others see you in other aspects of your life.

Finally, prepare a dialogue instead of a monologue. Dialogues are better for speeches because they engage the audience and grant you opportunities for small breaks. These breaks can give you a chance to take a drink of water, take a deep breath, or get your anxiety under control before you continue.

Thursday, April 18, 2019

The Difference between Immediate and Deferred Annuities

Wednesday, April 3, 2019

Estate Planning Then and Now

With close to a decade of experience in the field of financial services, seasoned businessman Brad Liebe established KK&B Financial Services for Seniors, where he also serves as president. In this capacity, Brad Liebe provides financial consulting and estate planning for seniors.

Twenty years ago, the individual federal estate tax exemption was at $600,000 and the estate tax rate was at 55 percent. Couples could opt to combine their trusts and, in turn, enjoy twice the federal estate tax exemption - that is, $1.2 million. By simply owning a home, some investments, and life insurance, one could accumulate an estate. Also, over the last two decades, passing assets to heirs did not require the intervention of the probate court, which happens when the deceased family member leaves a last will and testament. Instead, the revocable living trust has been preferred, a document referred to as a probate-avoidance tool.

Fast forward twenty years to the present time - the individual federal estate tax exemption is now $5.43 million. Couples can still choose to double the exemption for a total of $10.68 million. Plus, the estate tax rate dropped to 40 percent. Probate-avoidance tools such as payable-on-death bank accounts may also be established.

Because of these current trends, estate planners tend to focus on more relevant concerns. One is the increase in the income tax rate from 35 percent to 43.4 percent, which tends to negate the drop in the estate tax rate from 55 percent to 40 percent. Also, the long-term capital gains tax rate increased to 23.8 percent from 15 percent. Because of these changes, estate planners are looking for new ways to minimize income taxes as part of their estate planning strategies.

Monday, March 18, 2019

Navigating Immediate and Deferred Annuities

Friday, January 25, 2019

About Medicare Supplement Insurance

As owner of KK and B Financial Services for Seniors, Brad Liebe and his team offer advice to retirees and pre-retirees in Florida, Wisconsin, and California. Brad Liebe draws on an in-depth knowledge of Medicare and Medicare Supplement Insurance.

Medicare Parts A and B cover a diverse set of medical costs including inpatient care, outpatient visits, and durable medical equipment. Both require an annual deductible, which the patient must pay out-of-pocket before Medicare pays. In addition, Medicare subscribers must pay a percentage of approved costs as coinsurance or copayments.

Medicare Supplement Insurance, also known as Medigap, can help with these costs. A Medicare supplement policy can cover coinsurance and hospital costs, which Medicare Part A charges for each day that a patient is admitted. Supplement policies also cover the required Part B coinsurance or copayment, usually 20 percent of covered care.

In addition to these basic benefits, all Medigap policies cover three pints of blood transfusions and coinsurance for hospice or respite care. Some policies include additional coverage, such as Part A and Part B deductible coverage, skilled nursing coinsurance or copayment, and emergency coverage for foreign travel. 

All policies are available through private insurers and do not cover prescription drugs. For drug coverage, a subscriber must sign up for Medicare Part D.

Friday, August 10, 2018

Three Holes of Note at Copper River Country Club

As the owner of KK&B Financial Services for Seniors in Fort Myers, Florida, Brad Liebe offers financial consulting and estate planning services to senior citizens. In his spare time, he enjoys playing golf and boasts a handicap around 20. To improve his golf game, Brad Liebe plays at Copper River Country Club, where he is a member.

Located in Fresno, Copper River has evolved to become one of California’s premier country clubs. With the Sierra Nevada Mountains as a backdrop, the clubhouse overlooks vineyards. Designed by David W. Pfaff, the 18-hole, par-72 golf course opened for play in the spring of 1995.

Although available only to members, the golf course features water on half of its 18 holes. Almost every hole remains separated from the others, thanks to foliage or houses. The back nine works its way through the area’s foothills. Aspects to consider on some of the course’s holes include the following:

- Hole 1. This par-4 hole starts your round with a straight drive in order to avoid three fairway bunkers. Golfers should avoid the front bunker near the green.

- Hole 9. The top handicap hole of the course, this hole is a long par 4 that features a large lake on the right side. Golfers should take note that the green is slightly elevated.

- Hole 18. A tough way to end the round, this par-4 hole has water on one side and rough-covered grounds on the other.