Even though planning provides greater control of your outcomes and allows us the ability to be prepared, sometimes things happen that are pure luck. Embrace it. [Read more…]
Do You Need Life Insurance?
Do I need life insurance in retirement? Planning with life insurance can provide you with some safe and great benefits. Let’s review how life insurance can provide you with more pension income. [Read more…]
Are You Better Off Dead?
In some cases you may be actually better off financially to have a spouse die than to go into a nursing home. Here is a case that I continue to see over and over again. [Read more…]
No Patriotic Duty to Pay More Taxes
Anyone may arrange their affairs that their taxes shall be as low as possible; you are not bound to choose that pattern which best pays the Treasury. There is no patriotic duty to increase one’s taxes. [Read more…]
You Don’t Have to Retire at 65
There is a psychological perception that you must retire at the magic age of 65. Find out why that is not always the case or even the best plan. [Read more…]
Canceling Your Long-Term Care
If you have a long-term care policy and have received a letter about an upcoming premium increase, here is what to do. [Read more…]
Retirement Math 2+2=4
Retirement is long, expensive, and often full of unknowns. You must understand this simple formula at all times during retirement. [Read more…]
The Messiness of Politics and Investing
In the short-term both politics and investing are messy. Let me tell you two basic principles that will allow you to have a better perspective of how to clean up that mess. [Read more…]
Totally Tax Free
A continuation on the importance of tax diversification. Totally tax free accounts offer great benefits dealing with the tax impact in retirement. [Read more…]
Your Tax Time Bomb
A continuation on the importance of tax diversification. Tax Deferred accounts offer great benefits especially if your employer provides a match but be careful to properly plan the tax impact in retirement. [Read more…]