Tony Steuer, CLU, LA, CPFFE
Alameda, California, United States
3K followers
500 connections
Alameda, California, United States
3K followers
500 connections
About
I’m Tony Steuer — author, podcaster, and financial preparedness advocate. I believe I was…
Articles by Tony
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Tony’s Top 10 Recommendations - The Get Ready List 8-29-2024
Tony’s Top 10 Recommendations - The Get Ready List 8-29-2024
By Tony Steuer, CLU, LA, CPFFE
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The Get Ready List - Tony's Top 10 Recommendations 8-23-2024
The Get Ready List - Tony's Top 10 Recommendations 8-23-2024
By Tony Steuer, CLU, LA, CPFFE
Contributions
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How can you negotiate a lower insurance rate?
Be sure to carefully read your quote and policy review. You may find that there is an error or misunderstanding. There may also be something where you can provide more clarification. For example, if it's a health condition that's creating a higher premium, there may be new information that puts you in a more positive light. Or there's just a mistake in the information provided to the company. The more you understand the quote/policy review, the more confident you will be in requesting a reconsideration. Be sure to check with other companies as they will all have differing underwriting criteria and rate structures which will impact your premium. The companies use to assess their risk tolerance, it's nothing personal.
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How can writing skills help you communicate effectively in a hybrid work environment?
In any environment, it's a great idea to consider how you can keep your writing clear and easy to understand. Consider using short sentences and paragraphs. Keep it as brief as possible. Think about how you would explain the concept in a conversation with a friend. This will help you highlight any jargon that will either need to be simplified or explained. A key rule is to write so that the person who is reading it would be able to easily explain it to someone else. Consider using brief examples to help explain a complex topic. Frame any jargon or acronym with a a quick explanation.
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How can you show your insurance clients that you value them?
You can strengthen your client relationships by having better conversations with them. When you communicate with your clients, share how their insurance coverage fits in with the rest of their financial life. Listen to what your clients goals are and then make sure that their coverage is meeting their goals and is relevant for them. Be sure to educate your clients on how their insurance works. Clients oftentimes don't really understand how an insurance policy works. This leads to misunderstandings which can create further issues and eventually a lost client. Come from a place of service. Use a financial calendar like The Get Ready Blueprint to share ideas on how they can organize and monitor all areas of their financial life.
Activity
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A great community and networking event at the Oaks - Whittaker Glen for their Grand Reveal celebration of outstanding independent living community…
A great community and networking event at the Oaks - Whittaker Glen for their Grand Reveal celebration of outstanding independent living community…
Liked by Tony Steuer, CLU, LA, CPFFE
Experience
Education
Licenses & Certifications
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Certified Personal & Family Finance Educator (CPFFE)
American Association of Family & Consumer Sciences
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Volunteer Experience
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Vice President
COMMUNITY LEARNING CENTER SCHOOLS INC (CLCS)
- 2 years 11 months
Education
Community Learning Center Schools are different. More than schools, we are progressive learning communities that place the learner at the center of the educational process.
I am currently serving as Vice-President of the Board of Directors for CLCS. CLCS includes the Alameda Community Learning Center (ACLC) and Nea Community Learning Center.
CLCS creates empowering environments that awaken seeds of potential within learners and nurture them into flowering. Our schools go beyond…Community Learning Center Schools are different. More than schools, we are progressive learning communities that place the learner at the center of the educational process.
I am currently serving as Vice-President of the Board of Directors for CLCS. CLCS includes the Alameda Community Learning Center (ACLC) and Nea Community Learning Center.
CLCS creates empowering environments that awaken seeds of potential within learners and nurture them into flowering. Our schools go beyond state standards and curriculum, delving into deeper knowledge and understanding to create critical thinkers and lifelong learners. -
Curriculum Board- Member
California Department of Insurance
- 7 years 2 months
Education
Curriculum Board Member
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Treasurer
Creative Community Education Foundation
- 4 years
Education
I served as Treasurer of The Creative Community Education Foundation . CCEF is the non-profit 501 (c) (3) organization eligible to receive tax-deductible contributions that fund vital academic and enrichment programs offered by Alameda Community Learning Center.
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Member, Board of Directors
Diabetes Youth Families
- 2 years 7 months
Health
Member of the Board of Directors. DYF is an organization dedicated to providing support and resources for Children with Type 1 Diabetes (Northern California).
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Member, Board of Directors
Alameda Community Learning Center
- 3 years 10 months
Education
Alameda Community Learning Center (ACLC) is located in Alameda, California. A combined Middle School and High School program encompassing Grades 6-12, ACLC is consistently ranked among Alameda's best middle schools and high schools. ACLC is a tuition-free public charter school.
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Sports Board Member, Basketball Coach, Co-Founder Development Committee (Past)
St. Joseph Elementary School
- 5 years 4 months
Education
School Advisory Board (past), Sports Board Member, CYO Basketball Coach, Co-Founder Development Committee, Lead Art Docent
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Member Board of Directors - Player Agent: T-Ball & Farm 2013
Alameda Little League
- 1 year
Children
Manager, Past Member - Board of Directors (Player Agent)
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Curriculum Advisory Board Member
National Financial Educators Council
- 10 years 8 months
Education
Curriculum Advisory Board Member
Publications
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The Get Ready Monthly Personal Finance Guidebook
Life Insurance Sage Press
The Get Ready! Monthly Personal Finance Guidebook is a month-by-month fill-in guide that offers you checklists and notes pages critical to capturing the information you need most for your own financial first aid kit. Just like you would want to make sure your medical first aid kit is stocked with everything you need, this guidebook is a key item in your financial first aid kit to guarantee that you’re financially ready for any situation or event.
Providing you with a year of guided…The Get Ready! Monthly Personal Finance Guidebook is a month-by-month fill-in guide that offers you checklists and notes pages critical to capturing the information you need most for your own financial first aid kit. Just like you would want to make sure your medical first aid kit is stocked with everything you need, this guidebook is a key item in your financial first aid kit to guarantee that you’re financially ready for any situation or event.
Providing you with a year of guided financial direction, these pages will help you prepare for any financial emergency, organize your finances for your family members (in the event that you fall ill), have your documents ready when you’re applying for a loan or filing taxes, and easily monitor your financial life. This is a monthly management guide that will show you how to get everything in order, so you can take good financial care of yourself and the people most important to you.
The guidebook serves as a financial companion to Get Ready!: A Step-by-Step Planner for Maintaining Your Financial First Aid Kit. It can also be used on a stand-alone basis and is designed so that you can begin during any month of the year. Either way, you can follow its prompts and instructions from one year to the next, receiving coaching throughout your entire financial year.
Get Ready! is the most comprehensive financial first aid system out there. It’s financial-know-how disaster preparedness, all in one system, and The Get Ready! Monthly Personal Finance Guidebook offers you a simple, smart, hands-on approach to preparedness that puts you in charge of all the major aspects of your financial life. -
Get Ready: A Step-By-Step Planner for Maintaining Your Financial First Aid Kit
Life insurance Sage Press
Accidents. Fires. Floods. Hurricanes. Job instability. Unexpected repairs. Now, more than ever, uncertainty is a fact of life. This raises an important question we all too rarely ask in advance: “What happens to the pieces of my financial life if an emergency hits?”
In GET READY!, financial expert and award-winning author Tony Steuer explains how to organize your financial life with a comprehensive, easy-to-follow, step-by-step process. After explaining what exactly each piece of your…Accidents. Fires. Floods. Hurricanes. Job instability. Unexpected repairs. Now, more than ever, uncertainty is a fact of life. This raises an important question we all too rarely ask in advance: “What happens to the pieces of my financial life if an emergency hits?”
In GET READY!, financial expert and award-winning author Tony Steuer explains how to organize your financial life with a comprehensive, easy-to-follow, step-by-step process. After explaining what exactly each piece of your financial life is—from bonds and bank accounts to CDs and retirement plans—GET READY! expertly guides you through the process of documenting vital information and gathering it in one place to maximize your financial preparedness. GET READY! covers:
• Implementing the GET READY! system to help organize your financial documents in the way that works best for you
• Assembling documents and knowing which are critical to your financial preparedness and which to toss
• Creating a critical emergency action list, so you can be prepared in the event of an evacuation
• Communicating key components of your financial life to family and heirs, so they’re not left guessing in an emergency and can step right in if something should happen to you
• Setting up your financial dashboard to monitor your overall financial preparedness
• Staying ready with a system that helps you maintain your financial health and preparedness
GET READY! goes beyond other financial organizational systems by demystifying the world of personal finances, explaining how to easily assess your financial situation and identifying issues that need to be addressed so that you can become better educated about your finances and maximize your resources. -
Insurance Made Easy
Life Insurance Sage Press
Insurance can be confusing and expensive, but it's also necessary protection from risk. To alleviate that confusion, Tony Steuer has created a comprehensive guide to insurance--from how to calculate your ideal level of coverage to avoiding fraud--using the familiar metaphor of professional football. Your agents act as your coaching team, and each type of insurance is a player on your team, covering a different position. Let's see who's on the roster:
Auto insurance
Disability…Insurance can be confusing and expensive, but it's also necessary protection from risk. To alleviate that confusion, Tony Steuer has created a comprehensive guide to insurance--from how to calculate your ideal level of coverage to avoiding fraud--using the familiar metaphor of professional football. Your agents act as your coaching team, and each type of insurance is a player on your team, covering a different position. Let's see who's on the roster:
Auto insurance
Disability insurance
Health insurance, including Medicare
Homeowner's/renter's insurance
Life Insurance
Long-term-care insurance
Annuities
Insurance coverage is a personalized product, based on a specific need to cover a risk. Don't overpay for the wrong coverage. Draft the right players now with Insurance Made Easy. -
A Real Solution for the Health Insurance Market
Investopedia.com
Is having health insurance a right or a privilege? Is having access to quality medical care a right or a privilege? The core issue of the health insurance discussion should be about the minimum of health care provided to all Americans. Health insurance is a mechanism of paying for this health care.
Read more: A Real Solution for The Health Insurance Market | Investopedia http://www.investopedia.com/advisor-network/articles/real-solution-health-insurance-market/#ixzz4jL8hyKcK
Follow…Is having health insurance a right or a privilege? Is having access to quality medical care a right or a privilege? The core issue of the health insurance discussion should be about the minimum of health care provided to all Americans. Health insurance is a mechanism of paying for this health care.
Read more: A Real Solution for The Health Insurance Market | Investopedia http://www.investopedia.com/advisor-network/articles/real-solution-health-insurance-market/#ixzz4jL8hyKcK
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The Questions and Answers on Insurance Planner
Life Insurance Sage Press
The Questions and Answers on Insurance Planner is designed to help you understand what insurance you and do not need, along with buying and monitoring tips. Take the time to navigate your options and to make sure have full protection at the lowest cost. This planner will help you buy the right kind and amount of insurance for your needs and make sure your current policies are sufficient.
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The Questions and Answers on Disability Insurance Workbook
Life Insurance Sage Press
The Questions and Answers on Disability Insurance Workbook: An easy-to-follow guide for making the best disability insurance decisions by Tony Steuer, CLU, LA, CPFFE:
Need help understanding what disability insurance is and why it’s a critical way to protect
your financial future? With decades of experience in the insurance business, Tony Steuer and Maxwell Schmitz deliver a practical resource for choosing the best disability insurance policy for you, whether you currently have a policy…The Questions and Answers on Disability Insurance Workbook: An easy-to-follow guide for making the best disability insurance decisions by Tony Steuer, CLU, LA, CPFFE:
Need help understanding what disability insurance is and why it’s a critical way to protect
your financial future? With decades of experience in the insurance business, Tony Steuer and Maxwell Schmitz deliver a practical resource for choosing the best disability insurance policy for you, whether you currently have a policy or not. Step by step, they lead you through the process of making key disability insurance decisions and understanding important factors:
1. What income protection do I already have?
2. How much disability insurance would I qualify for?
3. How might my medical and fi nancial history aff ect my rates?
4. What policy components or riders are important to me?
5. How do I choose a trusted agent or advisor and an insurance company?
6. How do I make sure that my policy continues to meet my needs?
This workbook will help you avoid unnecessary pitfalls and unpleasant surprises; make informed, confident decisions; and gain the maximum protection for your insurance dollars.Other authorsSee publication -
Questions and Answers on Life Insurance: The Workbook
Life Insurance Sage Press
The Questions and Answers on Life Insurance Workbook: A Step-by-Step Guide to Simple Answers for Your Complex Questions by Tony Steuer CLU, LA
A companion to Tony’s award winning book, Questions and Answers on Life Insurance, this workbook will help you avoid unnecessary pitfalls and unpleasant surprises; make informed, confident decisions; and gain the maximum benefit for your life insurance dollar. Need help facing the constant barrage of information from competing life insurance…The Questions and Answers on Life Insurance Workbook: A Step-by-Step Guide to Simple Answers for Your Complex Questions by Tony Steuer CLU, LA
A companion to Tony’s award winning book, Questions and Answers on Life Insurance, this workbook will help you avoid unnecessary pitfalls and unpleasant surprises; make informed, confident decisions; and gain the maximum benefit for your life insurance dollar. Need help facing the constant barrage of information from competing life insurance companies? With twenty years of experience in the life insurance business, Tony Steuer delivers a practical, one-of-a-kind resource for choosing the best life insurance policy for you or your family, whether you currently have a policy or not. Step-by-step, he leads you through the process of making key life insurance decisions:
1. How much life insurance do I need?
2. What type of life insurance is right for me?
3. How might my medical and financial history affect my rates?
4. Which life insurance company should I work with?
5. How do I choose a trusted agent or advisor?
6. What policy components or riders are important to me?
7. Is my current policy living up to my expectations and needs?
8. Should I replace my current policy or supplement it?
9. What is the best way to terminate a policy?
Tony Steuer is one of thirty licensed life and disability insurance analysts in California. A recognized authority on life insurance products and a member of the California Department of Insurance Curriculum Board, he resides in Alameda, CA, with his family. -
Questions & Answers on Life Insurance
Life Insurance Sage Press
Questions and Answers on Life Insurance is an extremely useful and one of a kind resource for anyone looking for a simple way to understand life insurance. It covers all the basics and the advanced information that you need to know. And all this in a format where can go directly to the information you need without having to sort through information you're not looking for.
Author Tony Steuer brings 20 years of experience in the life insurance. During this time Tony has guided clients with…Questions and Answers on Life Insurance is an extremely useful and one of a kind resource for anyone looking for a simple way to understand life insurance. It covers all the basics and the advanced information that you need to know. And all this in a format where can go directly to the information you need without having to sort through information you're not looking for.
Author Tony Steuer brings 20 years of experience in the life insurance. During this time Tony has guided clients with purchasing their life insurance and the ongoing maintenance of policies. He has also worked with professional advisors on reviewing their client's policies and determining needs. Tony has helped to keep client's, where possible, from unpleasant surprises. Questions and Answers on Life Insurance covers:
Life Insurance Needs Planning
Keeping your policy in force
Company Evaluations
Pitfalls to look out for
Questions and Answers on Life Insurance is a valuable resource for anyone involved with a life insurance policy. It helps makes a complex financial product understandable for consumers as well as financial advisors.
Honors & Awards
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Independent Publisher Book Award (IPPY) - Bronze Medalist
Independent Publisher
Conducted annually, the Independent Publisher Book Awards honor the year's best independently published titles from around the world. The awards are intended to bring increased recognition to the thousands of exemplary independent, university, and self-published books released each year.
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Excellence in Financial Literacy Education Award (EIFLE) - Adult Book of The Year
Institute for Financial Literacy
The Institute for Financial Literacy created the Excellence In Financial Literacy Education (EIFLE) Awards to promote the effective delivery of consumer financial products, services and education by acknowledging the accomplishments of those that advance financial literacy education. Each year, the Institute for Financial Literacy presents the EIFLE Awards to individuals and organizations that have shown exceptional innovation, dedication and commitment to the field of financial literacy…
The Institute for Financial Literacy created the Excellence In Financial Literacy Education (EIFLE) Awards to promote the effective delivery of consumer financial products, services and education by acknowledging the accomplishments of those that advance financial literacy education. Each year, the Institute for Financial Literacy presents the EIFLE Awards to individuals and organizations that have shown exceptional innovation, dedication and commitment to the field of financial literacy education.
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Excellence in Financial Literacy Education (EIFLE) Award
The Institute for Financial Literacy
The Questions and Answers on Life Insurance Workbook: Awarded: Book of the Year: Adult, Risk Management
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Excellent in Financial Literacy Education (EIFLE) Award
The Institute for Financial Literacy
Questions and Answers on Life Insurance: Awarded: Book of the Year: Adult, Risk Management
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Honorable Mention- Business Books
Eric Hoffer Book Awards
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Honorary Texan
State of Texas - Governor George W. Bush
Commissioned as an Honorary Texan by President George W. Bush (at that time Governor of Texas)
Languages
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French
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Recommendations received
12 people have recommended Tony
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