I remember the day I felt the most “adult” I had ever felt. It was the day I purchased a supplemental life insurance policy for my family to ensure they would have what they needed financially if I had an untimely passing. It wasn't necessarily a hard decision, but one that certainly made me reflect on the weight of responsibility I held, even after being gone. I was oddly proud of myself for being such a grown-up. It felt good.
Steve Goldberg, an independent Account Executive at Family Investors Company in Fanwood, is no stranger to helping others with their own “adulting”. A specialist in Life Insurance and Long Term Care Insurance, Steve guides clients every day through decisions that ultimately give them peace of mind and make them feel good.
“The most important thing I do is educate my clients about the products and options available to meet their current and future needs. This is always a two-way conversation where I learn about their life and their goals”, says Steve.
For life insurance products, Steve walks clients through the benefits and differences between coverage types, all of which may be good options - but at varying points in the client’s life. Long Term Care Insurance, however, is where he sees the biggest hole in a person’s financial plan. The majority of people living today can expect to need some form of long term care in their lives - but most are not prepared to navigate the unexpected costs associated with it.
Long term care insurance covers a variety of needs from custodial care, ongoing care in a nursing home, assisted living residence or other facility. Perhaps most importantly, it puts a cost coverage solution into place that can remove some of the worry and stress from the family navigating a loved one's care. Many think that government programs such as Medicare and Medicaid will pay for all of their future long-term care needs when in fact they only pay for limited services and have many restrictions.
These topics can be hard to discuss, but Steve Goldberg makes them easy. It is no surprise that so many of his clients are long term relationships; built on years of trust and expert guidance. He has spent nearly 40 years in Scotch Plains with his wife Patricia, raising 2 children and now enjoying his grandchildren. You will often find him at Fabios Bistro - his favorite lunchtime spot where he is a regular. He is always amongst friends and quick to introduce and connect people he knows. This is not surprising for a man who has immersed himself in the community; filling leadership roles in the Fanwood-Scotch Plains Rotary, the local chapter of Business Network International and serving as Scotch Plains’ favorite Santa for over 25 years.
Wherever you are in your adulting journey, you can trust Steve Goldberg to guide you through the decisions that are best for you. He makes the hard conversations easy and clients always leave his office feeling good.
Steve can be reached at stevegoldberg@familyinvestors.com or 908.322.1800