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At Blankinship & Foster, we believe the more informed you are, the easier it will be for you to achieve the best possible outcomes. Our goal is to provide you with timely and relevant information that you’ll find valuable. Feel free to explore our FAQs page or contact us directly if you have any questions or topics you’d like to discuss.

Life insurance is often used for alternative purposes, such as borrowing against it, but there’s a catch. When the cash value bleeds down to nothing, the policy generally needs to be cancelled, and that “tax-free” loan you took becomes a taxable distribution of any earnings on the policy. You’re also out the insurance policy you had planned on.

When a person’s need for help with everyday activities goes beyond what family members can provide, it may become necessary to hire a professional caregiver. There are many things to consider in hiring an in-home caregiver for this very importantREAD MORE

“I think most clients don’t really think to coordinate with the charity as to how they should be gifting. Most clients will just write a check or drop $50 in the collection jar.” —Rick Brooks, June 17 interview with InvestmentREAD MORE

Rising Interest Rates I’ve been reading a lot about interest rates lately, and when mortgage rates set record lows last year, it was hard not to think that the cost of borrowing money had to go up at some point.READ MORE

Phishing, pharming, pretexting, smishing – these are words that weren’t even in our vocabulary 10 years ago.  These new words have been developed to describe different forms or methods of common financial scams.  With financial scams being called the “crimeREAD MORE