Financial Advice for Retirement, Social Security, IRAs and Estate Planning

Retirement Articles

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The #1 Rule to Follow in Your Estate Plan

June 15, 2018

There’s a time bomb ticking in many estate plans, possibly even in yours. You likely won’t even know if the bomb goes off… or, for that matter, how big the explosion will be. You see, the “bomb” is the person — or people — you name to act for you. Whether they act during your […]

The 2 Most Common Causes of Failed Estate Plans

June 8, 2018

Many estate plans don’t produce the results the owners intended… Which is too bad — because most of these failures are preventable. The failures usually don’t spring from the tax strategies or language in the will. The failures most often result from the human side, or soft side, of estate planning. There are two main […]

How to Save Money on High Prescription Drug Costs in Retirement

June 1, 2018

As you might expect, medical care will be one of your highest expenses during retirement. And prescription drugs will be among your highest medical expenses. Now consider this… A 65-year-old couple today that has median prescription drug expenses for the rest of their lives will need $165,000 of savings to have a 50% chance of covering their health expenses in […]

Legacy Planning & Your Estate Plan: Part 2

May 25, 2018

When it comes to legacy planning, it’s all about the details. Before deciding to make specific bequests or other gifts from your estate, consider these additional strategies discussed below. Beneficiary designations Bequests of cash or property from your estate often are not the most tax efficient way to make charitable gift. That’s especially true when appreciated […]

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What you don’t know about retirement can hurt you. In fact, just a few wrong decisions in your investments, taxes, or estate planning could completely derail your retirement plans. Worse yet, the rules of the game keep changing, making it harder to keep up. For these reasons, I’ve assembled all the key points – everything you need to know — into one comprehensive report. Click here today for free access.

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Legacy Planning: 5 Ways to Enhance Your Legacy in Your Estate Plan

May 18, 2018

Not all gifts are created equal, especially charitable gifts. That’s why legacy planning can be a powerful part of your estate plan. You can leverage the benefits of your gifts, enhancing the financial security of yourself and your heirs while being philanthropic. Estate planners often refer to these strategies as planned gifts or planned giving. […]

How to Plan Life Expectancy in Your Retirement Strategy

May 11, 2018

It’s one of the most important issues in anyone’s retirement plans… And most people completely shortchange it, resulting in a wildly inaccurate plan. You see, a goal of every retirement plan is to ensure your income and cash flow last at least the rest of your life. To meet that goal, you need a reasonable […]

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How to Write an Ethical Will for Your Estate Plan

May 4, 2018

Your estate plan is part of your legacy, but your legacy should be more than financial assets, material possessions and legal documents. For more and more people, the final touch to their estate plans is what sometimes is known as an ethical will. Others have called it a legacy letter, heritage will, family philosophy statement, […]

How to Incorporate Medical Care Decisions into Your Estate Plan

April 27, 2018

My last report  covered all the medical care documents you’ll need, such as your HIPAA Authorization, health care power of attorney (HPOA), living wills and advance directives.  Today we lay out some working guidelines for making important medical care decisions. Do not resuscitate/hospitalize It’s common for older patients, especially frail ones in nursing homes, to […]

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