Blog
Notes on planning.
Plain-language notes on insurance, retirement, and tax topics that come up in client conversations.
- Insurance
Your employer life insurance is probably not enough — here's how to check
Group life through work is a useful baseline, but for most families with dependents it falls short on three predictable axes. A 10-minute self-check.
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Cash-value life insurance, explained without the sales pitch
What cash-value life insurance actually is, who it tends to fit, and the trade-offs that rarely make it into a 30-minute pitch.
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Saral Toms is a licensed insurance broker. Insurance-only licensure. Not investment, tax, or legal advice — for informational purposes only.