Long-Term Care Can Be Complicated

When Susan and I teach people about how to prepare for retirement, we focus on financial preparation. Being prepared financially is critical to a sound retirement system, one that can provide security, peace of mind and independence. We often find one overlooked area of financial preparation, which can threaten this independence, is the cost of […]

How Changes in Bypass Trusts and Portability Rules could affect your Federal Estate Tax and Planning

While something of a ‘wait and see’ game, the portability rules governing a spouse’s unused estate tax exemption signed into (temporary) law in 2010 were all but guaranteed to become permanent in the new year. They provided an easier alternative to Bypass Trusts, which essentially became an extra step in securing estate funds that could […]

I Don’t Pay Brokerage Fees . . . Hmmm . . . Really?

One of the things I do when I meet with both new or existing clients is to look at the critical facts concerning their financial investment decisions. Critical means something significant, factual, important and relative that they must understand before making a financial decision such as taxes, fees, costs, risk, or a myth or a […]

To Convert or Not; You Decide

Folks who know me, know that I tend to be on the competitive side. It is not surprising that I look at grocery shopping differently than most. It is not social hour to me; frankly, it is work. When I walk into a grocery store, I look at each area of the store as a […]

I Love Holiday Parties!

Last Saturday night I attended my first Highfield Hall Holiday Party with Jill, my colleague Susan, and her husband Seth. The folks who put on the party really did an amazing job. Everything was exquisitely decorated, the music was great, and Chef Roland put out a spread that was to die for. What a beautiful […]

Why Social Security Planning Is A Must

When I was growing up I was sure I wanted to be a teacher. My mother, knowing me best, suggested I try substituting before making any final decisions. I substituted in high school for one day . . . just one day and that was it.   Fortunately, I have found a way to teach […]

The Fed To Us; We Stay The Course?

“If we were a company, we would be out of business.”   “As a federal official who signs the audit report on the government’s financial statements, it is apparent that our government’s financial condition is far worse than advertised.”   –David Walker Former Comptroller General of the United States   Ben Bernanke and the Federal […]

Plan Ahead To Avoid The Worst

He who fails to plan is planning to fail. -Winston Churchill   I like my clients. I like meeting with my clients. Over the years I have built lasting relationships with many of them, not only professionally, but also personally. I become emotionally attached to them and their families, which is why a client meeting […]

Divorce-An Unfortunate Reality

I hate divorce. I really do. I was 8 years old when my parents got a divorce and it was an ugly time. I thank God every day for the strength of my marriage; however, I do understand that divorce is a reality for many people. In fact, in America there is a divorce every […]

Converting Financial Dreams to Financial Goals

I believe in setting financial goals.  No matter what stage of life you are in, setting tangible and realistic goals, following them, and tracking your results is extremely important to achieving financial success.  Obviously, financial success means different things to different people.  What is wealth to some, is a bare existence to others.  Nevertheless, a […]