Kacey Moore

Background

About Kacey Moore

I have 18 years experience in the insurance industry. I specialize in life insurance and long term care planning and I'm a Certified Retirement Income Planner. I come from an insurance family and started my career with State Farm following the family legacy. I'm passionate about helping create a plan for the unexpected. We work so hard for our money and it is critical we know that it will work hard for us, when it counts the most.when we cant. I saw the impact this can have early on. I lost my father when he was only 54 years old. He was a great provider and made wise financial choices his whole life, like many “good” money managers he didn't think he needed life insurance. He worked hard, lived below his means, had no debt, and he had substantial amount in his retirement account and stocks. He expected would leave more than enough for his loved ones should something ever happen. Then one day everything changed, we got the news he had a very aggressive and terminal cancer. All of a sudden the man who managed everything so well, couldn't anymore. They say things come in 3's and they did, a trifecta of terrible- unexpected medical related expenses created a massive amount of debt, the '02 Crash left him suffering substantial losses without time to recover, and when he passed away the plan he had failed. What he had envisioned for his legacy, was largely wiped out. A poorly drafted will, improperly titled assets, and an unanticipated beneficiary, the IRS-his plan imploded. It was a shame because he worked so hard all of his life and he didn't get to enjoy it or leave the legacy he wanted for his loved ones. Life happens but good planning will protect, what we all work so hard to build. My challenge to you- if you have people that depend on you, have a plan you can defend:1. Create the plan with an expert1. Get a 2nd opinion2. Review it often My challenge to advisors- have the conversation, it is your fiduciary responsibility to help protect your clients assets: 1. Ask the questions 2. Work with an insurance expert3. Offer to review their existing plans