Lindsay Kaminski of Gateway Financial Partners

09/03/2026

Gap insurance fills the financial “gap” between the loan or lease balance and your car’s depreciated value if it’s totaled or stolen. It’s especially valuable for vehicles that lose value quickly or those with low initial down payments.

https://www.investopedia.com/terms/g/gapinsurance.asp

Protect your finances with gap insurance by covering the difference between your car's value and loan balance in case of total loss. Essential for long-term loans.

08/31/2026

A policy rider is an optional feature that can modify or add benefits to an insurance policy.

A few common examples include:

• Accelerated Death Benefit Rider: May allow access to a portion of the death benefit following certain qualifying health events
• Waiver of Premium Rider: May waive premiums when certain disability requirements are met
• Long-Term Care Rider: May provide access to benefits for qualifying long-term care expenses

Availability, costs, and eligibility requirements vary by policy.

When reviewing coverage, riders are worth considering alongside the policy’s core benefits and limitations.

08/25/2026

Term and permanent life insurance are designed to address different planning needs.

Term life insurance:
• Covers a specified period, often 10 to 30 years
• Commonly used for needs such as income replacement or debt protection
• Typically does not build cash value

Permanent life insurance:
• May provide lifelong coverage if policy requirements are met
• Can include a cash value component
• May be considered for longer-term insurance and estate planning needs

08/20/2026

When was the last time you updated your will?

Major life changes like new beneficiaries, legal updates, or financial shifts can make your current will outdated.

Revisiting it regularly can help make sure it remains aligned with your goals.

https://www.kiplinger.com/retirement/reasons-to-revisit-your-will

Life changes often, so taking a good look at your will every three to five years can ensure everything from beneficiaries to changes in the law are up to date.

08/18/2026

Life insurance policies can vary significantly in how they are structured.

Term insurance generally provides coverage for a specific period of time.

Permanent life insurance may remain in place for life if policy requirements are met and can also include a cash value component.

Premiums, guarantees, flexibility, and costs can all differ depending on the policy.

08/11/2026

Financial planning often includes preparing for situations you hope never happen.

A disability, serious illness, or long-term care need can create unexpected financial pressure for an individual or family.

Life insurance, disability coverage, and long-term care planning are a few tools that may help address those risks.

Reviewing your coverage periodically can help you understand where you are protected and where gaps may exist.

08/07/2026

Certain permanent life insurance policies may offer benefits you can use during your lifetime.

Depending on the policy, those may include:

• Cash value that can build over time
• Access to policy value through loans or withdrawals
• Living benefit riders for certain qualifying health events

These features vary by policy and can come with costs, restrictions, and tax considerations.

07/30/2026

Scams are at an all-time high.

Stay informed about identity theft warning signs as discussed in this insightful article from Experian.

https://www.experian.com/blogs/ask-experian/warning-signs-of-identity-theft/"

Checking regularly for indicators of identity theft can help protect your credit and finances from further harm. Learn about what to look out for.

07/29/2026

Not every investment can be converted into cash quickly or without possible costs.

Cash and many publicly traded investments are generally considered more liquid because they may be accessed or sold relatively quickly.

Other assets, such as real estate, certain annuities, private investments, or some retirement accounts, may require more time or include restrictions, penalties, or tax considerations.

Liquidity can matter when preparing for emergencies, major purchases, retirement income, or other short-term needs.

07/27/2026

Receiving an inheritance can involve emotional, financial, and tax-related decisions.

Whether taxes apply may depend on the type of asset inherited, where the person lived, how the asset is transferred, and what you choose to do with it.

For example, inherited retirement accounts may be taxed differently from cash, real estate, investments, or life insurance proceeds.

Selling inherited property or investments may also create capital gains considerations.

Before withdrawing, selling, transferring, or combining inherited assets with your existing finances, it may be helpful to speak with qualified tax, legal, and financial professionals.