Talk to Your Family over the Holidays about Your Estate Plan

Many of us labor a lifetime to build up our assets and fight for causes that matter to us. Few things are more fulfilling than the thought of sharing wealth and legacy with our family. Of course, it’s impossible to plan for every eventuality, but careful planning can mitigate against the two primary risks. a)    Your […]

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How to “UNPLUG” from Caregiving

You’re a long-term caregiver for your parents and you are getting more than a little burned out. A friend tells you that her family is unable to use a five day beach home reservation that they’ve already paid for. They’ve offered you the package, since they don’t want it wasted, but your first instinct is […]

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The Impact of Caregiving on Women

  Women routinely serve as caregivers for spouses, parents, in-laws and friends. In fact, an estimated 66% of all caregivers are female. The value of the informal care women provide has been estimated as high as $188 billion annually. While some men serve as caregivers, women spend approximately 50% more time caregiving than men.

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How you might beat the annuity actuaries…

Life insurance and annuity companies have the big buildings for a reason: They know when you’re going to die. Or do they?   Knowing when you are going to die doesn’t mean that actuaries are evil, but it does mean that they fully understand life expectancy. When you buy an annuity and structure it for a […]

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How We Can Use Our Longer Lives to Do Good

The experience and expertise of older people can make the world a better place Between 1900 and 2000, the average life expectancy in the United States increased nearly 30 years. That’s one of the most remarkable public health achievements in history, and it creates an extraordinary opportunity — not just to enjoy the extra time but because […]

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How to Select An Elder Law Attorney

There are many types of attorneys, but an elder law specialist can assist with Medicaid, long-term care planning, estate planning, veterans benefits, and other special needs and government assistance planning. It may seem very easy to open a phone book or search the internet for a name of an elder law attorney. However, finding the […]

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Wills, Trusts & Dying Intestate: How They Differ

Most people understand that having some sort of an estate plan is, as Martha Stewart would say, a “good thing.” However, many of us don’t take the steps to get that estate plan in place because we don’t understand the nuances between wills and trusts – and dying without either.

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How to Fix a Trust That Isn’t Getting Better With Age

While many wines get better with age, the same cannot be said for some irrevocable trusts. Maybe you’re the beneficiary of trust created by your great grandfather over seventy years ago and that trust no longer makes sense. Or, maybe you created an irrevocable trust over twenty years ago and it no longer makes sense. […]

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Hidden Money: Overlooked Funds Could Pay for Long-Term Care

There are countless ways to finance long-term care needs. All too often, though, individuals do not pursue a comprehensive care plan early enough to cover all of their future costs. Either they are not proactive, or they plan to “self-insure” for long-term care through the lifetime accumulation of personal savings and investments. But, unless you […]

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