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

Estate Planning Basics

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What is Behind the Boom in 529 College Plans

December 1, 2007

Investments in 529 college savings plans are increasing rapidly, and there are good reasons for it. The benefits are enhanced, and the alternatives are less attractive than they used to be. Congress expanded the Kiddie Tax and made it tighter, causing Uniform Gift to Minors Act accounts and direct gifts to children to be less […]

Estate Planning

A Shrewd Look at the Power of Attorney

December 1, 2007

A Power of Attorney is an essential part of an estate plan. You know that from past visits. The POA ensures that someone can manage your estate when you are unable to. Bills can be paid; investments can be managed; and other actions can be taken. Having a document called a power of attorney does […]

Estate Planning

Wise Estate Planning Strategies to Plan Gifts

November 1, 2007

In last month’s visit we discussed probable changes in the estate tax that mean many people should restore regular giving to their estate plans. This month, we will talk about the details of gift giving plans so you can avoid big giving mistakes many people make. The goal of annual gift giving is to remove […]


First Financial Steps for Young Adults

November 1, 2007

Most young people enter the work force with quite a bit of debt. Even those without debt have ambitions for cars, homes, clothes, and other things. The issue for most young adults is how to sort out their spending and saving goals. Should they pay debt first? Save for the down payment on a home? […]


Five Myths of Business Succession

November 1, 2007

Few small firms survive past the first generation of owners. That is well-known. Most people assume the business failures are due to the inadequacies and mistakes of the succeeding owners and managers. At least an equal share of blame goes to the founding owners who do not properly develop and implement succession plans. With proper […]

estate planning

Estate Planning for Shifts in the Estate Tax Law

October 1, 2007

Big changes are due in the estate tax law, but no one can be sure what those changes will be. Yet, all estate owners need to have an estate plan in place, and that plan needs to meet the owner’s goals whatever the tax law is. The plan should be flexible, address the most likely […]


Starter Funds for Youngsters

October 1, 2007

Investing will a key to the financial security of today’s youth. It will be more important to them it was to previous generations. Today’s youngsters will rely primarily on their own resources for retirement. The earlier someone starts investing, the easier it will be for him or her to become financially secure. Yet, financial services […]

estate planning

Why Life Insurance is An Important Tool in Estate Planning

September 1, 2007

After the 2001 tax law began a phaseout of the estate tax, many people concluded there was no longer a reason for life insurance and insurance trusts to be considered as part of an estate plan. Yet, there always were reasons to consider life insurance in plans, and there might be new reasons in the […]

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