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.

Thursday, July 19, 2018

Signs That You Didn’t Set the Right Goals

The owner of KK&B Financial Services for Seniors, Brad Liebe offers life insurance, supplemental insurance, annuities, and many other products to seniors. In addition to his work as a financial services provider, Brad Liebe works as a motivational speaker for Rick Olson Seminars and talks about such topics as goal setting.

Below are several signs that the goals you’re working toward aren’t right:

They’re too easy
Goals that are too simple for you to complete will not keep you engaged for very long. The same is true of goals that are too difficult. Ideally, you want to set goals that require you to go slightly out of your comfort zone, while still being based on the skills, strengths, and resources that you already have.

They feel like a chore
Working toward a goal shouldn’t feel so unpleasant that it becomes a chore. Rather, good goals drive you to accomplish them. Sometimes goals feel unpleasant because you never really cared about them when you set them. Other times, goals become mundane after you’ve worked on them for a bit.

They’re not specific
Many people think their intentions are the same as their goals, but this isn’t the case. A goal is specific. It creates a measurable difference in your life and can help you hold yourself accountable if you don’t accomplish it. When a goal isn’t specific enough, you won’t know whether you’ve accomplished it or not.

Thursday, July 12, 2018

How Traditional and Asset-Based LTC Plans Differ

The owner of KK&B Financial Services, Brad Liebe helps seniors reach their retirement goals using numerous financial services. Through his business, Brad Liebe offers such products as asset-based and traditional long-term care (LTC) insurance.

Traditional LTC policies are simpler than asset-based LTC policies. They work like regular car or homeowner insurance in that the premium disappears if you don’t need the insurance. These types of policies do not build any value that can be passed down to heirs unless policyholders set up a return of premium feature when creating the LTC policy. This feature provides heirs with some value if the policy is never used.

Also known as hybrid policies, an asset-based LTC policy combines long term care support with a death benefit for heirs. These types of policies are usually more expensive than traditional LTC policies and have an up-front fee of from $50,000 to $100,000 per person. In most cases, funds for an asset-based LTC plan are typically taken from an existing asset, so it’s recommended that people have a net-worth of at least $750,000 to ensure they have enough assets to cover the cost of the plan.

Once an asset-based LTC is set up, policyholders can enjoy premiums that never increase, along with a death benefit that is paid out to a beneficiary when the policyholder passes. They can also cancel their policy and get their premium returned to them.

Sunday, June 24, 2018

A Brief Overview of Medicare Advantage Plans

A consultant, motivational speaker, and the owner of Florida-based KK&B Financial Services, Brad Liebe provides guidance on estate planning and other financial strategies. In addition, Brad Liebe helps clients understand their Medicare needs.

Medicare, designed for Americans aged 65 and older, provides health insurance subsidized by the federal government. The different elements of Medicare are divided into separate policies known as Part A and Part B. 

Medicare Part A covers hospital-related costs, while Part B covers preventive and outpatient costs. Many Medicare recipients deal only with these two parts. 

Another Medicare option, often known as Part C or Medicare Advantage, may be a suitable alternative for some Americans. Offered through private insurers, Medicare Advantage plans roll Parts A and B into one policy. 

Some insurers also include other benefits, such as dental coverage in Part C. Depending on the needs of the individual, Medicare Advantage plans can be simpler, cheaper, and more comprehensive than original Medicare plans. However, because Medicare Advantage plans are operated by private companies, networks of providers may be limited, and premium costs may be higher.

Sunday, June 17, 2018

How Golf Scoring Works

Motivational speaker Brad Liebe conducts seminars on strategic planning, management training, banquet speaking, and fund raising. As owner of KK and B Financial Services for Seniors, he also offers consulting services. Outside of work, Brad Liebe loves playing golf.

Golf is not just about swinging and striking the ball, it also involves understanding how the scoring works. Having the lowest score equates to winning the game. This is called the stroke play scoring format. The goal is to propel the ball into the hole with the fewest possible number of swings. Every swing counts as a stroke. The number of strokes used dictates the player’s score for that hole, and the number is cumulative for the game, depending on the number of holes.

When playing golf against an opponent, two other scoring formats may be used - match play and Stableford. In match play scoring, the number of strokes for each hole is compared to the opponent’s result. The one with the least number of strokes is the winner for that hole. At the end of the game, the player with the most hole victories is declared the winner.

The Stableford system uses the par rating, which is the expected number of strokes a golfer needs for a specific hole or the entire game. Each hole on the golf course corresponds to a rating. With par as the basis, the score is converted into points. The winner is determined by counting the total points, instead of the number of strokes. For more strokes under par for a particular hole, the higher the point score, and the goal is to have the highest number, rather than the lowest, at the end of the game.

Tuesday, May 29, 2018

Selecting the Right Deer Rifle

Brad Liebe, the owner of KK and B Financial Services for Seniors in Fort Myers, Florida, is an avid hunter and enjoys opening the deer hunting season with his father and son every year. Deer hunters like Brad Liebe must carefully select the firearm they will use to hunt deer.

Different deer hunters have different needs, depending on the ways they hunt. Those who use a tree stand or blind to get a great vantage point on open spaces should consider a heavier weapon with a high-magnification scope and flat-shooting, long-distance cartridge. This enables the hunter to take down a deer from any distance. Those using stands or blinds to hunt in wooded or brush-covered areas should favor a light, easy-to-aim rifle.

Those who do not use stands should focus even more on lightness. A rifle used for still-hunting or spot-and-stalk hunting, when most shots come within 150 yards and the physical demands of the trek are often high, should weigh seven pounds or less. This is especially true in spot-and-stalk hunting, in which the hunter might need to hike, crawl, or run with the weapon to secure a takedown.

Friday, May 18, 2018

Avoiding High Healthcare Costs during Retirement

Motivational speaker Brad Liebe addresses groups at seminars and conventions on topics such as goal setting and organizational growth. Also a financial consultant, Brad Liebe is the owner of KK&B Financial Services for Seniors, where he helps seniors devise financial plans for retirement

Healthcare will be a significant cost outlay in your retirement years. According to HealthView Services, today, a 65-year-old male retiree can expect to spend $189,687 on healthcare, while a woman will spend $214,565. While all adults are eligible for Medicare once they turn 65, Medicare does not cover all medical expenses. In fact, it only covers about 51 percent of them. Seniors still have to pay premiums, deductibles, co-pays, and out-of-pocket costs for prescription drugs as well as dental and vision care. 

If you want to be able to cover your healthcare costs during retirement, you should start planning early. Talk with your financial planner about the various ways you can avoid high healthcare costs during retirement. One option is to open a healthcare investment account separate from your retirement account or, if you have a high deductible on your health plan, open a tax-advantaged health savings account. If you are already retired, you can opt for long term care insurance to pay for assisted living and home care costs. This type of policy is costly, but there are less expensive short term care alternatives.

Tuesday, May 8, 2018

A Look at Some Deep Sea Fishing Techniques

Brad Liebe draws on years of financial consulting and estate planning experience in his work as a licensed financial advisor and motivational speaker. Outside of his professional responsibilities, Brad Liebe enjoys deep-sea fishing, which occurs far from land in waters that are at least 30 meters deep. 

Anglers who go off-shore fishing, also called sport or big-game fishing, employ a range of tools to increase the odds of a catch. For example, spreader bars and teasers attract fish by allowing multiple pieces of bait to be hooked to imitate the appearance of a small school of fish and lure hungry game fish. 

Other tools include downriggers, which allow anglers to set the depth of their bait, and kites, which fly in the air and keep bait at the surface. Outriggers allow multiple lines to be cast without becoming tangled. 

In addition to these tools, anglers also engage in chunking. Although similar to chumming, chunking involves throwing pieces of bait overboard and placing a line with a hook in the middle of the bait. 

Moreover, either trolling or drifting can be used. Trolling happens when a fishing boat motors through the water and drags bait behind the boat, while drifting involves letting the current control the boat.

Friday, April 27, 2018

Health Care Should Be Part of Your Retirement Planning

Working from Fort Myers, Florida, Brad Liebe is the owner of KK and B Financial Services for Seniors. Here, Brad Liebe helps seniors plan financially for retirement. This includes planning for their health care spending.

Health care should be an important part of your retirement planning. Even though you qualify for Medicare once you reach 65, you will still have to pay a significant part of your health care expenses after that point. For example, you’ll have to pay for Medicare Part B premiums and any other supplemental insurance plans such as Medigap. You’ll also have to pay for over-the-counter medication and long term care. 

A 2017 Fidelity study revealed that a healthy couple retiring at age 65 will pay $275,000 in health care costs over the course of their retirement. The 2016 figure was $260,000. Fidelity projects these costs will continue to rise due to price increases of pharmaceuticals and longer individual life spans. Medicaid will only meet an estimated 60 percent of your total health care spending after retirement. This is why it is absolutely important to factor health care into your retirement planning. Talk to a financial planner about how you can do that.

Friday, April 6, 2018

Three Tips for Getting Started as a Motivational Speaker

An experienced financial professional, since 2012 Brad Liebe has served as owner of KK&B Financial Services for Seniors in Fort Myers, Florida. In addition to his career as a financial consultant, Brad Liebe spent two years with Rick Olson Seminars as a motivational public speaker.

Motivational public speaking as a career offers numerous benefits. In addition to traveling and interacting with hundreds of people, public speakers get to talk about subjects they are passionate about while potentially earning substantial income. Getting started in this field can be a challenge, however. Here are a few tips for beginning your career as a motivational public speaker.

Start small, and start local. It’s unlikely that your speaking career will immediately begin with a national tour in sold-out auditoriums. When you’re building your speaking career, begin locally by exploring speaking venues in your town or city. Additionally, friends and family members might work in companies that bring in public speakers for employee- or management-training events.

Develop a niche you’re passionate about. There are thousands of motivational public speakers around the country, and to build a career you’ll need to stand out in some way. Focusing on a subject that you’re passionate about is important, but just as important is finding an angle to that subject that will help you shine in a crowded field. 

Build a social media presence. One of the best ways to connect with the public and other speakers in your field is to build a social media presence. By actively posting on Twitter and Facebook, you will not only connect virtually with others in your niche, but also create a built-in platform for advertising your speaking engagements.

Friday, March 30, 2018

Copper River Country Club Offers Kids' Activities

Since 2012, Brad Liebe has led as owner of KK&B Financial Services for Seniors in Fort Myers, Florida, where he offers financial counseling on matters such as Medicare supplemental insurance and long-term asset management. Outside of his professional life, Brad Liebe pursues a diverse range of hobbies that includes deer hunting and golfing. In particular, he enjoys golfing at the Copper River Country Club in Fresno, California.

Designed in the mid-1990s by William R. Tatham, Copper River Country Club features a 30,000-square-foot clubhouse and a challenging USGA-authorized golf course that takes advantage of the rolling hills and lush scenery around Fresno. In addition to the golf facilities, Copper River offers members amenities such as a pool, a fitness center, and a childrens’ play area. 

The Kids' Centre at Copper River provides a safe and enjoyable environment where children can play while their parents enjoy the club. Carefully screened professional staff members supervise children and plan activities such as craft projects to keep the little ones busy and engaged in a safe and clean environment. Additionally, for the past 22 years, the club has provided summer activities such as the All-Star Sports Camp, which offers weekly sessions devoted to teaching sports such as golf, tennis, and swimming.

Friday, March 16, 2018

Management Training Fosters Long Term Growth of Companies

Motivational speaker Brad Liebe has appeared at numerous conventions and seminars through Rick Olson Seminars. Focused on helping companies achieve their maximum potential, Brad Liebe regularly speaks about management training.

Management training focuses on improving the individual skills of team leaders for the overall benefit of the company. Training is conducted with an emphasis on soft skills, such as empathy and communication, together with business skills such as proper reporting, talent acquisition, and performance reviews. 

The mission of management training is to educate and motivate managers toward achieving their full leadership potential, in turn boosting employees’ morale and productivity. When managers feel more empowered and emboldened from their training, they are better able to execute company strategies, engage peers and colleagues, solve internal conflicts, and even create a more enjoyable work environment. 

Another crucial benefit of management training is that it positions companies for success ahead of process changes. When a company is about to implement changes, rather than simply briefing managers and expecting them to execute, the company can train managers on the new processes and products. The managers will then pass on the information to subordinates, and once everyone is on the same page, the changes can be implemented more effectively.

Sunday, March 4, 2018

A Look at Medicare Supplemental Insurance

North Central University graduate Brad Liebe is a motivational speaker and financial advisor who serves the Fort Myers, Florida, area. Brad Liebe draws on his financial expertise as the owner of KK&B Financial Services for Seniors. 

KK&B is an independent agency that partners with major providers of financial products to provide the best services to clients. The firm offers a range of financial advising services designed for retired individuals or those close to retiring. 

Medicare supplemental coverage is one of these services offered by KK&B. Known as a Medigap policy, this supplemental coverage pays for certain health care costs that are not covered by traditional Medicare. The product’s coverage takes effect once Medicare has covered its share of a service. However, some Medigap policies provide coverage for services that traditional Medicare does not cover at all. Privately sold, the product should not be confused with Medicaid or other Medicare plans.