Here Comes Healthcare Reform

ing January 1, 2014, most Americans will be required to have health insurance or risk paying a hefty fine. It's part of President Obama's Affordable Care Act. Whether you love it, hate it or are just plain confused, come January, the ACA will be the law of the land.

Don't Panic!

We're here for you. We can guide you through this process, no matter your situation. If you have private insurance you may be able to keep that insurance. If you would like to look at the California Exchange, called Covered California, we will be certified to help you with that. If you own a small business, we will be certified to help you choose between private insurance and Covered California.

Starting January 1, 2014, all health insurance will be guaranteed issue, whether through the private marketplace or through Covered California. No carrier can deny you due to preexisting conditions.

All health plans must cover a range of services called Essential Health Benefits. These include services like doctor visits, hospitalization, emergency care, maternity care, pediatrics, prescriptions, medical tests, mental health care and more.

Plans must cover preventive care services like mammograms and colonoscopies with no out-of-pocket cost to consumers. All newly sold health plans, whether offered by Covered California or in the private marketplace, will be required to meet these basic requirements.

We will keep you updated as we get closer to open enrollment, which starts October. We want to help you make this transition as easeful as possible! In the meantime, please call us at 323.848.7795 with any questions.

TWP Insurance is now TWP Financial

When TWP Insurance was founded seven years ago, we specialized in health insurance.  We have helped well over a thousand clients acquire health insurance and will continue to specialize in providing this service.

Over time, to meet the needs of our clients and to stay competitive in the changing world of health insurance, we have added another passion of ours, financial wellness, based on safe money principles.

Circle of Wealth

As financial planners we operate under the fiduciary standard to always put your needs first.

To do that, we take all clients and prospective clients through the Circle of Wealth™ process to help you better understand your current situation and how to be more efficient with your money.  It is imperative to prepare for life events like your children’s college, weddings, retirement and leaving a legacy. Only after clearly understanding your financial situation do we recommend a strategy.

Horter Investment Management, LLC

We are also constantly combing the world for the best financial products that can give you peace of mind. There are a lot of financial products on the market. Each financial product is like a tool in a tool belt.  Life insurance is good for several things; annuities are good for others. To offer a more complete financial planning package,  Tim is now a Registered Investment Advisor representative with Horter Investment Management, LLC.

Horter Investment Management, LLC was founded in 1991by Drew Horter.   Horter Investments manages assets on a fee basis. Early in his career Mr. Horter recognized the need for high quality private wealth managers for his clients. Since becoming a Registered Investment Advisor, Mr. Horter has worked with many equity and fixed income managers.

More recently Mr. Horter has focused on low risk, low volatility asset managers for the 70 investment advisor representatives affiliated with Horter Investment Management (located in 33 States). These private wealth managers can attain equity like rates of return without the risk generally associated with the stock market.

To compliment the low risk and low volatility private wealth managers, Horter Investment Management also works with high quality, low beta equity managers that present excellent opportunities for clients.

To learn more please click the following link: www.him-ria.com

Investment advice is offered by Horter Investment Management, LLC, a Registered Investment Adviser. Insurance and annuity products are sold separately through Tim Peterson of TWP Financial. Securities transactions for Horter Investment Management clients are placed through Pershing Advisor Solutions, Trust Company of America, Jefferson National Monument Advisor, Fidelity, and Security Benefit Life.