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More than Money Newsletter - March 2019


More than Money with Gene Dickison



March 2019

Dear Friends,


Don’t Worry, Retire Happy! (Get your free copy)


I had the absolute pleasure to interview Tom Hegna author of this quite powerful book on my More than Money radio show on March 2nd.  If you missed that morning’s show, you can listen to it by going to our website, and searching for the podcast under our radio tab.

Tom served in the U.S. Army for more than twenty-two (22) years.  Tom has focused his ‘other’ Thirty year plus career on developing the ideas and strategies that produce happy, secure, successful retirements.  Tom is an independent voice for those Americans who want to know what they should be doing to secure their retirement and happiness in their senior years.

The listeners to our live broadcast had the opportunity to receive a free copy of Tom’s book by simply scheduling time to review their retirement plans with one of our More than Money advisors.  The response was wonderful.  So, we wanted to extend the same offer to the readers of our newsletter.  If you would like to take advantage of this immensely valuable and completely free opportunity – please contact Stephanie Thompson (610-746-7007) or email her to schedule your visit.

I know Tom’s book and our advisors will help you gain valuable insights into the choices you could/should make to give your plans the best possible path to your retirement happiness.  Contact Stephanie today – before our books run out!


 “Real Life Questions – Real World Answers”


“Is life insurance tax-free?”


I am summarizing more than a dozen questions I received after we discussed this topic on our radio show several weeks ago.  Is life insurance tax-free?

  1. No.  And maybe.

Yes it is income tax free.  No it is not (normally) estate tax free.  And maybe your life insurance can be free of income and estate tax if you plan well.

Wondering about your life insurance?  Contact our office to schedule a free review.  We can evaluate if you should have life insurance, if your life insurance the best it can possibly be for you, and how to best structure your policies so your loved ones pay the lowest taxes possible.


Am I really responsible to pay for my mom’s nursing home bills?  I’m just starting my own retirement?


Quite possibly.

Pennsylvania courts have recently decided to enforce the Filial Support Law that does require the children of indigent parents to accept financial responsibilities for the expenses – including nursing home costs – of their parents.

This problem is potentially devastating to the financial lives of children throughout the state.  We recently hosted attorney Keith Strohl on our More than Money show to review the law and offer some planning advice.

Keith has written a very informative article on the financial responsibilities children have for their parents.  If you would like a free copy of this article, please email Stephanie Thompson (

If you or your parents need assistance in creating your Long Term Care plan, please contact our office to discuss your situation with a More than Money advisor.


More than Money Radio and Television


Have Breakfast with Gene every Saturday Morning at 8:06 as

More than Money with Gene Dickison airs on AM790 WAEB.

Two Full Hours – 8:06 through 10:00 AM.



Words are Powerful Tools for American Freedom


I was recently in the office of a man for whom I have great respect.  He and I have known each other professionally for more than thirty years.  He is a gentle and healing spirit.  On his wall was a plaque that purported to be a quote from the Dalai Lama.  Personally, I’m not so sure, but here it is:


“We have bigger houses, but smaller families;

More conveniences, but less time;

We have more degrees, but less sense;

More knowledge, but less judgement;

More experts, but more problems;

More medicines, by less healthiness;

We’ve been all the way to the moon and back,

But have trouble crossing the street to meet the new neighbor.

We build more computers to hold more

Information to produce more copies than ever,

But have less communication;

We have become long on quantity,

But short on quality.

These are times of fast foods,

But slow digestion;

Tall men, but short characters;

Steep profits, but shallow relationships.

It’s a time when there is much in the window,

But nothing in the room.”


I am struck by the immensely pessimistic and depressing tone.  If you spend any significant amount of time paying attention to the members of the U.S. Congress and their incessant harping – you must look at the words of the Dalai Lama (?) as purely true, correct, and reflective of the swirling cesspool that is today’s world.

And what are we to take away from these ‘inspiring’ words?  Perhaps – the world sucks and there’s not much you or anyone else can do about it. Oh, and the spiral is ever and faster increasingly downward!




For those of us who grew up in the 1960’s and ‘70’s we well remember our encounters with this poem of sorts written by the American poet (and – interestingly enough – attorney), Max Ehrmann in 1927 (the year my father was born).  If we didn’t have a large poster on our walls we had a calligraphy copy we carried in our backpacks (military surplus duck canvas snagged at the Army Navy store – not rip-stop nylon from L.L. Bean!).

For those who believe we currently live in the ‘worst of times’ I must remind you (or share with you if you were not yet on this world) the 1960’s saw the assassinations of President John Kennedy, his brother Bobby Kennedy, and Dr. Martin Luther King, Jr.  And there the Vietnam war that claimed nearly 60,000 of the finest young men and women our country had yet produced.  The list of tragic events of that decade could and did fill many books. 

Desiderata offered – for many – encouragement to see the world as a beautiful place.  It also offered some poetically practical advice as to the actions one might take to see and enjoy the world’s beauty.


“GO PLACIDLY amid the noise and the haste, and remember what peace there may be in silence. As far as possible, without surrender, be on good terms with all persons.

Speak your truth quietly and clearly; and listen to others, even to the dull and the ignorant; they too have their story.

Avoid loud and aggressive persons; they are vexatious to the spirit. If you compare yourself with others, you may become vain or bitter, for always there will be greater and lesser persons than yourself.

Enjoy your achievements as well as your plans. Keep interested in your own career, however humble; it is a real possession in the changing fortunes of time.

Exercise caution in your business affairs, for the world is full of trickery. But let this not blind you to what virtue there is; many persons strive for high ideals, and everywhere life is full of heroism.

Be yourself. Especially do not feign affection. Neither be cynical about love; for in the face of all aridity and disenchantment, it is as perennial as the grass.

Take kindly the counsel of the years, gracefully surrendering the things of youth.

Nurture strength of spirit to shield you in sudden misfortune. But do not distress yourself with dark imaginings. Many fears are born of fatigue and loneliness.

Beyond a wholesome discipline, be gentle with yourself. You are a child of the universe no less than the trees and the stars; you have a right to be here.

And whether or not it is clear to you, no doubt the universe is unfolding as it should. Therefore be at peace with God, whatever you conceive Him to be. And whatever your labors and aspirations, in the noisy confusion of life, keep peace in your soul. With all its sham, drudgery and broken dreams, it is still a beautiful world. Be cheerful. Strive to be happy.”


I have added the underlining to give you a bit of insight to my thinking on this day.  However, you will find your own insights that may help bring you some peace, some joy, some hope and love in this fascinating world God has given us.

Please allow us to serve you and those you love.


Thank you,



P.S.  Do you have poem, a Bible verse, a quote that gives you peace?  Please send them along to me (  I am always interested in seeing what inspires my family and friends.  God bless you all.

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