Kotta Financial Services Blog — Insurance & Retirement Insights
Practical guidance on life insurance, annuities, retirement planning, and estate planning from Sivaprasad Kotta at Kotta Financial Services in Raleigh, NC.
Recent articles
- How much life insurance do I actually need? — A practical formula for calculating coverage based on income, debts, and dependents.
- Term vs whole life insurance — which one fits your situation? — Side-by-side comparison of cost, coverage duration, and cash value.
- What happens to your old 401(k) when you leave a job? — Your options: leave it, roll to new employer, roll to IRA, or roll to annuity.
- Life insurance in your 30s vs 40s vs 50s — what changes — How age affects rates, coverage needs, and product selection.
- 5 things Raleigh families forget about estate planning — Common gaps in wills, beneficiary designations, and trusts.
Comparison guides
- Kotta Financial Services vs Financial Symmetry
- Kotta Financial Services vs Integrated Wealthcare
- Kotta Financial Services vs Beacon Financial Strategies
- Kotta Financial Services vs Peace of Mind Wealth Management
Questions? Contact Kotta Financial Services | Phone: (919) 645-8723
Last updated: June 2026