Estate planning is when you make a plan for what will happen to your money and property after you die. For example, you can decide who will get your house, or how your money will be used to help your family.
Learn more about estate planning from our financial advisors below.
I’d like to start this article by saying, if you’re in your mid to late 60s, you may not have the time to utilize the living benefits of this concept. However, if you’re still in your late 50s to early 60s, you may be able to use this concept to supplement some of all of […]
Retirement Income Planning has become an important topic with the aging of the baby boom generation. Many refer to it as preparation for the decumulation stage in an investors’ life cycle. Some use analogies of the accumulation stage as climbing the mountain and the decumulation as scaling down the mountain. Climbing Mount Everest is indeed […]
You’ve worked hard all your life, played by the rules, only to have a majority of your nest egg wiped out due to something you could NEVER have controlled. For most of us, this would be devastating and possibly life-changing! For most pre-retires and retirees, the #1 concern they have is fear of running out […]
“Offering retirees the chance to obtain tax-deferred growth and guaranteed income in retirement, annuities should always be part of a retirement and income specialist’s tool kit.” Michael Masor. Successful financial advisors understand that the days of selling a product and never seeing that client again are long gone. Instead, retirement planning has morphed into more […]
Avoiding probate can be tricky, but you might be able to do it successfully following these three straightforward ways. If you own stock certificates or have a brokerage account, the ‘transfer on death’ option can be used to avoid probate. This option is often called the ‘Uniform Transfer on Death Securities Resignation.’ You can designate […]
“Will the future be surviving a financial Armageddon? Big Stock Market increases of wild Market swings that keep you up at night?” – Ray Cessna There are times in your life that you will never forget!! Dates that you know exactly where you were and what you were doing. Would your grandfather say he was […]
The purpose of a life insurance policy is to protect and preserve your assets and income in case you or your family suffer a loss (i.e., lose your income, loss of a family member’s income, the inability to work, or other reasons). But did you know that you may be able to use a life […]
“U.S. government statistics say that over 70% of Americans 65 and older will need long-term care at least once in their lives. Yet, only 33% of us understand and acknowledge that we’re likely to need long-term care in the future.”- Robert Cannon Various studies over the past decade indicate that Americans tend to underestimate their […]
“You may be hearing more about a newer type of annuity product- the ILA, or “buffer” annuity in the coming months. But, be careful you know the pros and cons before jumping on the bandwagon.”- Dave Barr With interest rates hovering near-zero for at least the next couple of years, indexed linked annuities (ILAs), also […]
“If you are a federal or state employee planning to retire in the next year, you should waste zero time planning your exit.”- George Politarhos If you are like most federal employees under the Federal Employees Retirement System (FERS), you have numerous things to consider. Many Federal, State, and local employee programs complicate retirement planning […]
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