Greetings! I trust that you are well and enjoying life. For the most part I write about ideas and issues related to retirement and prudent financial planning takes many forms. Today I want to write about a form of planning that can pay big dividends under the right (wrong) kind… ...

Greetings. I trust that you are well and enjoying life. Medicare won’t cover all of your health-care costs during retirement, so you may want to buy a supplemental medical insurance policy known as Medigap. Offered by private insurance companies, Medigap policies are designed to cover costs not paid by Medicare,… ...

Greetings. I trust that you are well and enjoying life. For most of us the major expense in retirement that is the great unknown is what the cost of health care will be. We can do forecasting and projections on all other types of expenses and have a pretty good… ...

Greetings! I trust that you are well and enjoying life. A successful investor maximizes gain and minimizes loss. Though there can be no guarantee that any investment strategy will be successful and all investing involves risk, including the possible loss of principal, here are six basic principles that may help… ...

Greetings! I trust that you are well and enjoying life. You know how important it is to plan for your retirement, but where do you begin? One of your first steps should be to estimate how much income you’ll need to fund your retirement. That’s not as easy as it… ...

Greetings! I trust that you are well and enjoying life. This week I want to deviate from my usual intro to the market update and the general information on finance and retirement planning that I provide. I don’t know about you, but a new norm that I am experiencing is… ...

Greetings! I trust that you are well and enjoying life. I get a lot of questions about probate. I think a big part of the reason is because of the attorney’s that sell revocable living trusts and the way that they promote them as a cure all for probate. A… ...

Greetings! I trust that you are well and enjoying life. Human nature often avoids planning for the unexpected, especially complications that involve our health and life span. However, life always works best with advanced planning. Continuing our theme on issues involving estate planning, today’s topic is about planning for incapacity.… ...

Greetings! I trust that you are well and enjoying life. Having been involved with helping people financially for as long as I have, I’ve seen a lot of life situations some we celebrate and some we just get through the best that we can. An unexpected death is the worst… ...

Greetings! I trust that this will find you well and enjoying life. Allowing for the fact that we are in the ninth year of a bull market and the market being at an all-time high, it’s probably a better time than others to examine the concept of financial risk. Few… ...

Greetings! I trust that this will find you well and enjoying life. Handling market volatility. Conventional wisdom says that what goes up, must come down. We’re in the ninth year of a bull market and the second longest running bull market in history. But even if you view market volatility… ...

Greetings! I trust that this will find you well and enjoying life. It’s that time of the year again and I’m not talking Mardi Gras, I’m talking tax time. On any investment that is positioned outside of a tax shelter like an IRA or annuity you’re going to pay taxes… ...

Greetings! I trust that this will find you well and enjoying life. The longer you live, the greater the chances you’ll need some form of long-term care. If you’re concerned about protecting your assets and maintaining your financial independence in your later years, long-term care insurance (LTCI) may be for… ...

Greetings! I trust that this will find you well and enjoying life. If you own a home, you may be wealthier than you think. The equity in your home could be one of your largest assets, especially if your mortgage has been paid down over the years or paid off.… ...

Greetings! I trust that this will find you well and enjoying life. What separates a great retirement from a good retirement? Often I observe in retirees that more than anything it’s state of mind. Here are several ways to view life that when embraced, can do much to enrich your… ...

Greetings! I hope that this finds you well and enjoying life. Big news on Friday out of the White House is that President Trump has exercised his authority as president for possible changes regarding the Dodd Frank Act and the Department of Labor fiduciary rule. No actual changes yet, but… ...

Greetings! I trust that this will find you well and enjoying life. During your retirement years, it’s important to pay close attention to the income tax consequences of your investment decisions. If you receive a great deal of investment income when retired for instance, the taxation of your Social Security… ...

Greetings! I hope that this finds you well and enjoying life! On July 1 of 2016 the first baby boomer turned 70 ½ and became subject to required minimum distributions (RMD) from their IRA’s or company retirement plans. My experience has been that if a retiree hasn’t started taking money… ...

Greetings I trust that this will find you well and enjoying life! Every week here we focus on financial health, most often financial health as it relates to retirement. For a change let’s consider physical health as we begin a new year. A new year is an excellent opportunity to… ...

Greetings! I trust that this will find you well and enjoying life. With the holiday season upon us and the end of the year approaching, we pause to give thanks for our blessings and the people in our lives. It is also a time when charitable giving often comes to… ...