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

Grandchildren & Beneficiaries

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How to Help Grandkids Stay Solvent

October 1, 2006

In last month’s visit we discussed how to educate children and grandchildren to start them on the road toward financial independence. This month, let’s discuss how to help youngsters who already are in the working world and perhaps have started to dig themselves into that financial hole of high debt in which so many people […]


How to Help Grand kids Avoid Debt

September 1, 2006

The best gifts to leave heirs often are not wealth or things. Knowledge, values and good habits are more important. From my vantage point, the best thing an older person can do for a younger one today is to provide an education on debt and debt management. Today’s youth do not learn about debt management […]


How to Avoid Mismanagement of Inheritance

August 1, 2006

Many estate plans ultimately fail. The problems are not with the plans. The owners spent a fair amount of time and money preparing and executing the plans. The problem with many estate plans is the final stage. The heirs are not prepared to receive the wealth. So they mishandle it. Or they did not know […]


Top Reasons for Buying Real Estate for College

June 1, 2006

The room at college doesn’t have to be an expense. It can be a tax break, with the potential for income and capital gains. It also might be a way for parents or grandparents to acquire a retirement home or second home. You can get these benefits by purchasing a place for your grandchild or […]


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.


Investing Education for Grandkids

May 1, 2006

Recently, when I was the guest on a radio show, the host asked where young people learn about money, investments, and personal finance. Schools are too busy with diversity training and sex education to teach personal finance. Even at the college level practical money management is scarce. Many parents, especially, the Boomers, try to keep […]


Important Medicaid Update for Heirs

March 1, 2006

The new uncertainty over Medicaid eligibility is not the only reason Medicaid should not be the centerpiece of your long-term care plan. Another concern is that your heirs might receive an unpleasant surprise from the state. When Medicaid decides someone is eligible for it to pay for nursing home care, the individual is told that […]


529 Plans Equalized

March 1, 2006

The recent deficit reduction law gave a boost to 529 prepaid college plans. There are two types of 529 plans: prepaid plans and savings plans. Under prepaid plans, the state guarantees that tuition and fees are covered by an amount determined today, even if inflation or investment returns are different from what was anticipated. The […]


How to Help the Post Boomer Generations

February 1, 2006

Inflation, the rising cost of education, reduced investment returns, soaring real estate prices, and terrorism all concern America’s wealthy. But nothing concerns them more than how those and other factors create great obstacles for their children and grandchildren. A recent survey of America’s wealthy done for U.S. Trust revealed that, like most other Americans, the […]

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