Plan smart. Retire well. Protect your family.
When talking to many of my new clients, one of their biggest hesitations to work with meis that they already have a “Financial Advisor.” However, after really talking to them andgoing over their situation with them, they realize they don’t have a financial advisor theyhave a ‘Investment Junkie’. The only thing their advisor is helping […]
Like too many things in life, after we finally realize that we need to prepare a will to protect our estate, and then have the will prepared, we think of it as a finished task, put it on the back burner, and tend to forget about it. However, the entire subject of estate planning, of […]
With a large majority of Americans believing that it’s important to provide for their families after they are gone, why are so many Americans dropping or reducing their life insurance coverage. Especially, when experts say that most people with life insurance may not have enough coverage for their families to avoid financial hardship if they […]
There are two distinct legal vehicles that allow property owners to transfer real estate and personal property before death. For many homeowners, avoiding probate is very important because the assets of small to medium estates can easily be depleted if forced into probate. Those two legal vehicles are a life estate, and a living trust. […]
In the past week, I have spent many hours reading articles on what the experts think will happen in the economy in 2023 and 2024. Some experts say there is a 100% chance of a recession! Others say only a 60% chance of a recession! Whether or not we have a recession, the problem is […]
It makes no difference whether you retire at 65 or 75 years old, for most elderly – except the very best off – a serious concern that most have is whether or not they will outlive their income and assets. However, with some simple planning and budgeting, it is easier than expected to overcome those […]
Survivor’s information on how to claim your spouse’s benefits… Social Security If the deceased had paid into Social Security for at least 40 quarters, two types of benefits are possible: 1. Death benefit: $255 for burial expenses is available to eligible spouses or dependent children. The survivor can complete the necessary form at the local […]
As we age, we have to face harder and harder decisions about our inevitable fate. And although it is not a pleasant subject and for the most part avoided until presented right in our faces, the sooner we prepare ourselves the more comfortable our release from this life will be. One major concern a lot […]
We all want to live the Great American Dream. We want the opportunity for prosperity and success, and an upward social mobility for our family and children, achieved through hard work in a society with few barriers. And a big part of that dream has been to own a home free and clear, with no […]
Here’s The Situation… For 10 or more years you’ve been stuffing money into a qualified retirement plan, (401k, 403b, Etc.) and now you’re ready to switch jobs, ready to retire, or maybe you’re already retired… What do you do with the money that’s in your current plan? Well, you have three basic options: 1. You […]
