Greetings! I trust that this will find you well and enjoying life.  Medicare and all that’s involved with it can be complex initially. You’ll need to take steps to familiarize yourself with it as you approach age 65 for maximum benefits and to minimize your cost. Even enrolling can be tricky… ...

Greetings! I trust that this will find you well and enjoying life. Have you considered the single biggest expense that you will face in retirement? Would you suspect it to be housing? Or recreation? How about health care costs? Between Medicare premiums and the portion of medical bills Medicare doesn’t pay, health… ...

Greetings! I hope and trust that this finds you well and enjoying life. Being named as the executor of a family member’s estate is generally an honor. It means that person has been chosen to handle the financial affairs of the deceased individual and is trusted to help carry out… ...

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 quality… ...

Greetings! I trust that you’re well and enjoying life. If you care about what happens to your money, home, and other property after you die, you need to do some estate planning. There are many tools you can use to achieve your estate planning goals, but a will is probably the… ...

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 that… ...

I trust that this will find you well and enjoying life. It’s complicated money and happiness. Does more wealth lead to happiness? Researchers have tackled this question for decades, and although the results have differed, one fact is certain: The relationship between money and happiness –or “well-being,” as many researchers put… ...

Greetings! I trust that this will find you well and enjoying life. Conventional wisdom says that what goes up, must come down. But even if you view market volatility as a normal occurrence, it can be tough to handle when it’s your money at stake. Though there’s no foolproof way to… ...

Greetings! I hope that this finds you well and enjoying life. Setting goals for retirement is an important part of retirement investing. For example, do you want to retire early? Would you like to travel during retirement? Do you plan on working post-retirement? Having goals and objectives can help you develop… ...

Greetings! I trust that this will find you well and enjoying life. A client recently asked about stock dividends as a source of retirement income. So, the question is, are stock dividends reliable as a source of income? Dividends can be an important source of income. However, there are several factors… ...

Greetings! I trust that this finds you well and enjoying life. You may have assets in accounts that are taxable (e.g., CDs, mutual funds), tax-deferred (e.g., traditional IRAs and 401(k)s) and tax-free (e.g., Roth IRAs and Roth 401(k)s). Given a choice, which type of account should you withdraw from first? The… ...

Greetings! I hope that this will find you well and enjoying life. As we get older, our financial objectives change. For example, as young up-and comers, we tend to focus on saving and investing for retirement. But the closer we get to retirement, the more we need to consider how… ...

Greetings! I hope and trust that this finds you well and enjoying life. Are health insurance premiums taking too big of a bite out of your budget? Do you wish you had better control over how you spend your health-care dollars? If so, you may be interested in an alternative… ...

Greetings! I trust that this finds you well and enjoying life.  You may have heard the saying, “Life is what happens to you while you’re busy making plans.” That’s a line from a John Lennon song entitled, Beautiful Boy. It’s also a keen observation of what could happen if you focus too closely… ...

Greetings! I hope this finds you well and enjoying life.  Have you checked your retirement plan lately? It’s generally a good idea to review your retirement savings plan at least once each year and when major life changes occur. If you haven’t given your plan a thorough review within the last… ...

Greetings! I hope this finds you well and enjoying life. An increasing number of employees nearing retirement plan to work for at least some period of time during their retirement years. The obvious advantage of working during retirement is that you’ll be earning money and relying less on your retirement… ...

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 a state of mind. Here are several ways to view life that when embraced, can do much to enrich your… ...

Greetings! I hope this finds you well and enjoying life. An increasing number of employees nearing retirement plan to work for at least some period of time during their retirement years. The obvious advantage of working during retirement is that you’ll be earning money and relying less on your retirement… ...

Greetings! I trust that this will find you well and enjoying life. I’ve spent countless hours analyzing the habits shared by successful retirees. Five stand out and I urge anyone serious about retirement to take these measures sooner rather than later. You Are Not the Family Bank All parents have one basic… ...

Greetings! I trust that this will find you well and enjoying life. I have a question for you today. If there was a missing fact or piece of information that was costing you a significant amount of money now or would cause a significant problem in the future, when would you… ...