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Now more than ever, retirees under the age of 65 are facing new challenges as concerns rise over increasing health care costs. Many of my clients are wondering how health care reform may affect their plans for retirement and how they can plan for a stable financial future that includes health care costs. We’ve been partners in your retirement planning for years and we can help you develop a custom strategy to address your health

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Many adults are finding that their aging parents are in need of health care assistance. Luckily, there are many options available today to help your parents grow old gracefully, either in their own home or in a facility, and several ways that you can finance the costs of the care. Assisted living. If your parents are healthy seniors who can look after themselves, they generally are eligible to enter a continuing-care retirement community that allows

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Dear insert prospect name: Tax season can be stressful and can stir up conflicting emotions. While it is rewarding to note the growth of your earnings and assets, paying more taxes on those gains can be frustrating. I have the knowledge and experience to help you develop effective tax season strategies with your tax advisor to ensure that you are positioned to: • Pay no more than your fair share in taxes • Develop an

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For example, if you earned an average 8% rate of return annually on an investment taxed at 28%, your after-tax rate of return would be 5.76%. A $50,000 investment earning 8% annually would be worth $107,946 after 10 years; at 5.76%, it would be worth only $87,536. Reducing your tax liability is key to building the value of your assets, especially if you are in one of the higher income tax brackets. Here are five

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As the end of the year draws near, the last thing anyone wants to think about is taxes. But if you are looking for ways to minimize your tax bill, there's no better time for tax planning than before year-end. That's because there are a number of tax-smart strategies you can implement now that will reduce your tax bill come April 15. As the year begins to draw to a close, consider how the following

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The loss of critical personnel can be life threatening to small businesses; however, it's a risk that life insurance can often mitigate. In fact, life insurance policies are frequently incorporated in plans aimed at making it possible for a business to survive a change of ownership or the loss of a partner, the chief executive, or an employee whose creative talent, technical knowledge, or salesmanship drive the business. Most commonly, life insurance is employed as

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Money. It's hard to get and easy to lose. It doesn't take long for the wealth you've accumulated to disappear if you don't manage your money well or have a plan to protect your assets from sudden calamity. Snares like the ones mentioned below could easily threaten your financial security. Planning ahead can protect you and your loved ones from getting caught. Undisciplined Spending The more you have, the more you spend -- or so

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There are a lot of issues that couples need to think about when tying the knot -- wedding preparations, family, and, of course, finances. Addressing personal finance and investment issues before the big day may help improve your odds of being together years later. Here are some financial issues that you might consider when embarking on a matrimonial journey. Discuss financial styles before marriage. Start your marriage off on the right foot by having an

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Marriage affects your finances in many ways, including your ability to build wealth, plan for retirement, plan your estate, and capitalize on tax and insurance-related benefits. Here are some considerations to keep in mind if you are thinking of getting married or have just tied the knot. • Building wealth -- If both you and your spouse are employed, two salaries can be a considerable benefit in building long-term wealth. For example, if both of

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The risks to your wealth aren’t only in the financial markets. The wealthier you become, the more liability protection matters. We live in a litigious world, one in which even friends and neighbors can be convinced to see opportunity in the wake of misfortune. A (larger) umbrella liability policy may be an excellent idea. Could you afford a six-figure drawdown of your personal assets to settle a lawsuit? Ideally, you have umbrella liability coverage with

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