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For 30 years David Laube has been a dedicated member of the financial services industry providing direction to businesses, professionals and families. Always seeking education and ways to better serve his clients, David recently earned the Chartered Retirement Plans SpecialistSM (CRPS®) certification from the College for Financial Planning.

Chances are good that if you turn on the prime time news on any given day or pull up your favorite newspaper on your iPad one of the top stories will relate to emerging risks around the world.

After months of relative calm, market fluctuations are causing many investors to wonder what is happening to the economy. Last week, the S&P 500 lost 5.16%, the Dow dropped 5.21%, and the NASDAQ declined 5.06%. The MSCI EAFE also gave back 6.19%.

Life insurance plays a crucial role in securing the financial future of a family.  And, while the decision to buy a policy is an easy one, purchasing one can be vexing due to the overwhelming number of choices available.

Making investment decisions has never been an exact science, nor is the process the same from one individual to the next. There are many variables that need to be factored, both from the standpoint of your individual situation and in the consideration of specific investments.

Chances are good that if you turn on the prime time news on any given day or pull up your favorite newspaper on your iPad one of the top stories will relate to emerging risks around the world.

There is no getting around it—health insurance is complex and complicated. You have to have it and there is no one-size-fits-all solution. And, when your child is living with a special need it makes the whole process even more complicated. Finding in-network specialists, scheduling exams, and keeping track of copayments and deductibles can be exhausting.