Welcome to Ask Lacey, an advice column in which accredited financial counselor and MilMo founder Lacey Langford answers your pressing financial questions. Have a question for Lacey? Submit it here. Q.

When planning your financial future in your 40s, one important part of the process is considering the unexpected, as there are any number of unusual expenses that can arise and cause issues with your ...

As we age, the prospect of needing long-term care services becomes a significant concern. These types of services are designed to meet the health and personal care needs of those who can no longer ...

It’s not just a ball of confusion when it comes to long-term care insurance. It’s one massive ball pit and Americans are drowning in it. It's time for the financial advisor community to literally play ...

Long-term care insurance (LTC) can pay for costs not covered by health insurance or Medicare, like a home health aide, physical therapy or ongoing care in a nursing facility. Before you buy a policy, ...

In the insurance industry, an annual dividend is a yearly payment given by an insurance company to a policyholder.

Today’s work climate is geared toward freelance jobs, which makes it especially important for self-employed people to know how to arrange for their financial needs. One major fear among sole ...

If you receive a denial letter from your insurer, don’t appeal the decision before seeking legal advice, says a leading ...

Justin C. Frankel, P.C., represented a client with Chronic Lymphocytic Leukemia whose long-term disability benefits ...