by Mike Keretz | Aug 7, 2026 | Uncategorized
You might be at the kitchen table with a laptop open, comparing policies while your income isn't as steady as it used to be. Maybe you're self-employed, maybe you're close to retirement, or maybe you just want lifelong coverage without locking yourself...
by Mike Keretz | Aug 6, 2026 | Uncategorized
You're in a familiar spot if you're self-employed, between jobs, or trying to bridge the gap before Medicare. You log in to the Marketplace, see a stack of plans, and then the key question hits, how much of this premium can you afford if your income swings...
by Mike Keretz | Aug 5, 2026 | Uncategorized
The first time a crew chief called me about a “small” HVAC mistake, it wasn't small at all. A technician had finished a rooftop changeout, the van got clipped on the way back, and the customer was already asking who was paying for the damage around the unit....
by Mike Keretz | Aug 4, 2026 | Uncategorized
You're probably staring at a renewal notice, a COI request from a GC, and a premium that feels out of line with the size of your crew. That's normal in roofing. Roof work sits in a hard market, and the gap between what you think you bought and what responds on...
by Mike Keretz | Aug 3, 2026 | Uncategorized
Most beneficiaries owe $0 in federal income tax on a life insurance death benefit. The payout is usually tax-free, but interest, estate inclusion, and a few ownership traps can still create a tax bill. You're usually dealing with this question at a rough moment. A...
by Mike Keretz | Aug 2, 2026 | Uncategorized
You're probably looking at a quote, a mortgage payment, and a stack of bills, and thinking the same thing that comes to mind when many search how much life insurance do I need. You don't want theory. You want a number you can defend, without overbuying out of...
by Mike Keretz | Aug 1, 2026 | Uncategorized
If you're in Delaware and you're staring at health insurance quotes right now, you already know the feeling. The number on the screen looks brutal, the “cheap” plan still feels expensive, and if you're self-employed, between jobs, or trying to cover a...
by Mike Keretz | Jul 31, 2026 | Uncategorized
You're probably looking at your benefits portal, seeing that HSA tab, and wondering if you should finally start using it. Don't guess. If you want the tax break without getting tripped up by excess contributions, the right move is to check eligibility,...
by Mike Keretz | Jul 30, 2026 | Uncategorized
In 2026, a typical marketplace Silver premium is about $752 per month, while an eligible HealthCare.gov enrollee may pay about $50 per month for the lowest-cost plan after tax credits. Employer coverage can look cheaper on the paycheck, but that single number still...
by Mike Keretz | Jul 29, 2026 | Uncategorized
You're probably here because you've got a real decision in front of you, not a theoretical one. Maybe you're self-employed and your income swings month to month, maybe you're 61 and trying to bridge the gap before Medicare, or maybe you just want...
