Joseph Stephens |

For most people, buying life insurance is difficult enough, even when it’s done right. But when it is done with only one eye open, or haphazardly just to ‘get

Joseph Stephens |

Before attempting to answer this question, you must have a thorough understand of exactly what you are insuring. The purpose of life insurance is usually to

Joseph Stephens |

It happens when you least expect it - a fall from a ladder, a skiing accident, a serious illness- no one plans to become disabled. As a result, very few people

Joseph Stephens |

If you’ve ever seen it, it’s one of those things you’ll never forget – the mass migration of hundreds of thousands of wildebeest moving across the plains of

Joseph Stephens |

Most people looking to implement a financial plan are making decisions with the long-term in mind. While what “long-term” means tend to vary depending on