Estate Planning for Animal Lovers When thinking about estate planning, many topics come to mind – like, what property, houses, and cars you own, who will handle the distribution of your assets, and how you will care for your children, grandchildren, and other loved ones….
Medicare: Making Enrollment Make Sense While one’s 65th birthday no longer signifies reaching the “Full Retirement Age” milestone for Social Security retirement benefits, turning 65 still has a unique perk – gaining eligibility for Medicare. Being eligible for the program, however, doesn’t mean that it’s…
A Practical Approach to Cash Flow Complexities When life happens, the financial aspects of figuring out what to do next can make taking that next step an overwhelming task. Using policies to manage cash flow on an ongoing basis removes the budgetary uncertainties and clarifies…
Employee Stock Options: Simplified Chances are you have had stock options at one point or another or know someone who has. The term ‘stock options’ refers to company stock incentives offered to company employees. The stock incentives may come in many different shapes and sizes…
Supernatural Influences of Estate Planning With Halloween just around the corner, you may find yourself watching one of the many “reality” TV shows centered on hunting down supernatural influences. Whether or not you believe in the supernatural, one could argue that there is a tangible…
Modern Day Literacy – More Than Just Words Credit cards, mortgages, auto loans, tax returns, college savings plans, 401(k)s . . . money (in all of its flavors) is all around us. But do we as a society really understand it? Are we financially literate?…
Qualified Charitable Distributions – A Powerful Way to Give Each year, many of our Clients share their charitable intentions with us and we work to ensure they’re able to express those intentions in such a way that they and the charity receive the maximum benefit….
Financial Planning’s Mission During Life Transitions As summer slides into fall, signs of the changing seasons can be seen across the country and remind us of the rhythm of life’s changes. As financial planners, we are in a unique and privileged position to share in…
Is a Mortgage Refinance Smart for You? Could you be making your mortgage payments more efficiently? Refinancing may offer you the opportunity to align your mortgage more closely with your broader financial goals. That said, refinancing is a complex decision, and many factors will affect…
Back to Basics: Trusts, Trustees and Beneficiaries You might be surprised how important an understanding of your estate plan is to your adult children, other important members of your family, and friends who you have elected to play a role in your estate plan. This…