Today's guest was Grace Sagnor from Decorangements, she is an interior decorator.

Melanie Palubicki from Aflac gave us some really good info today.  The first thing we learned was that Aflac does not pay Doctors or hospitals...they pay YOU!  You do not have to qualify or have an extended wait time.  Melanie will even get the Doctor's notes and make sure you are paid your full amount if you ever have a claim.  Just answer a few questions for the application...no physical needed.  Cancer survivors of 5+ years can also qualify.  Melanie is actively looking for Doctors, Dentists, HVAC Companies, Landscapers, and Plumbers.

Gary Siano, our Financial Advisor spoke about several ways or methods of planning for income in retirement. He covered the basics of when and when not to use annuities in planning for a client. He also covered the expenses associated with guaranteeing income for life. Gary then told us about how he helped a recent client to consolidate 4 different 401ks from prior employers into one new plan with a coordinated strategy.