Be forewarned. I am going to be candid here: Whatever excuse you just gave? It is just that—an excuse. First, it’s important to recognize that we all have dysfunctional families to some degree. Maybe you are facing substance or alcohol abuse, your kids are not getting along or there are others that don’t understand the…
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Too often money is looked and considered for just what it is: money. A financial plan focuses on numbers, targets, returns, risk, etc., with a lot of hype placed on the latest and greatest investments, and returns on your money. After all, almost everyone wants their money to grow and they want to protect it,…
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This is certainly a loaded question… and it’s meant to be. You might immediately think of the people you treasure, the things you love to do, the places you want to see, or the memories you have yet to make. There’s nothing wrong with a little mental wandering when you consider the question, but you…
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We have worked with several non-profits over the years to help them assist their donors in giving more. These charities often state that their donors want to give more, but they don’t want to put their own lifestyle at risk or disinherit their children. And, ultimately, they simply don’t think they can give more. The…
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48% – The chance that you will need some type of paid long-term care services in your lifetime. 1 70% – The chance that you will need some type of severe long-term healthcare need if you are 65 today. 1 7 years – This is the average length of long-term care for a woman TODAY.…
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When you start your career in life planning and wealth management you realize every day is like drinking from a fire hose. As time goes on…it doesn’t really change. Unfortunately, there is ever increasing complexity that surrounds what seems to be the simplest of planning tools. IRAs, 401(k)s, and other like-kind retirement accounts are a…
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Just the idea of having a trust seems complicated…but is it? The truth is that not having a trust in certain situations creates significantly more complications than having one. Then again, that’s not always the case. So, let’s break it down and look under the hood. If you die with a Will most likely you…
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Let’s face it…No one wants to talk politics these days, but facts are facts. We are approaching a presidential election, so politics need to be top of mind. As we dive in, I will give you peace of mind though. We are not going to provide any biased content and we are going to keep…
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Have you ever looked in the mirror and thought- whoa, that can’t be right? Who is this old person staring back at me? As funny or not so funny as this may be, the fact is that life is short and it seems to hurry along faster the older we get. We look up and…
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Most people don’t even know how to answer that question, much less feel confident enough to answer with a resounding “yes.” The truth is that most assets are naturally not ‘asset protected.’ This means that unless you have done some planning and maneuvering specifically aimed at asset protection, well… These are the most common issues…
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