The ability to handle lifetime medical expenses is the key to a financially sustainable retirement. Yet, medical expenses also are the wild card in retirement finance, because they are the hardest expenses to estimate. To handle the issue, you need a systematic approach to planning. Read More

It’s no wonder that survey after survey shows long-term care expenses are among the top worries of Americans in or near retirement. You could have a dynamite estate plan yet have most of your estate pay long-term care expenses instead of going to your loved ones. It doesn’t have to be that way. Read More

Having an estate plan is important, but it means only part of your job is done. Sometimes having a plan that isn’t current is worse than not having a plan at all.Having an estate plan is important, but it means only part of your job is done. Sometimes having a plan that isn’t current is worse than not having a plan at all. Read More

Don’t conclude as many have, that you don’t have to worry about taxes in your estate planning because of the high federal estate tax exemption. Taxes should figure in your estate plan as much as ever, but in a different way. Read More

An IRA is more than a valuable part of your retirement plan. Properly used, a Roth IRA can be a valuable part of your estate plan. Read More

Many people believe that estate planning is all about tax planning, and that’s a big mistake. A lot more is involved in an estate plan, and overlooking the non-tax issues can cause problems for you and your heirs. Read More

Many people want to leave some of their hard-earned wealth to their children or grandchildren, but they don’t want the wealth wasted or have negative effects on their loved ones. There are ways your hard-earned wealth can benefit loved ones without putting the wealth at risk. Read More

Two options for retirement income security are bonds and annuities. But which one does the better job of generating income for life? Can a bond portfolio do better than an annuity? Read More

An estate plan can and should be more than a bunch of legal documents. It’s your final chance to add a personal touch, and that touch can enhance both the plan and your legacy. Read More

Traditional estate plans don’t work well for many families these days. Unconventional families need different plans, tools, and strategies to accomplish their goals. Read More