Are you closing in on retirement? We have tips, tools and advice that can help you make better choices as you start planning the next chapter in your life.

Estate Planning

What Happens If You Don’t Have an Estate Plan?

Many people assume that they are too young to create an estate plan or that they don’t have enough assets for it to be worth the expense. Both of these assumptions are incorrect, however. The best time to complete your…


Three Important Decisions in Planning for End-of-Life Health Care

It’s been said before but is worth repeating: Estate planning is not primarily about your money. It’s about your wishes surrounding the end of your life. A critical component of estate planning that is too often overlooked is providing protections…


Tax Planning

Irrevocable Trusts and Taxes

When it comes to trusts, a variety of options exist. Two of the most common are revocable living trusts and irrevocable trusts. As with most anything in life, both have their pros and cons. Irrevocable trusts can be particularly problematic,…


Don’t Get Tripped Up by Retirement Taxes

For many, retirement conjures up visions of vacations, relaxing times and less worry about money. With proper planning, such visions can be a reality, but it’s important to remember that not all financial concerns and responsibilities end when retirement begins.


Health Care

Is it Time to Break Up With Your Private Insurance Plan?

For many Medicare members, Valentine’s Day means more than just flowers and chocolates. It’s the last day of the six-week disenrollment period to drop their Medicare Advantage Plans. The Medicare Advantage Disenrollment Period (MADP) allows members to leave their Medicare…


Scheduled Changes to the Affordable Care Act in 2017

At the same time that the new administration gets to work and the future of the Affordable Care Act (ACA) takes center stage, the U.S. policy widely known as ObamaCare will implement scheduled changes in 2017. Although more dramatic shifts…


Long-Term Care

Planning and Paying for Long-term Care in Retirement

Someone turning age 65 today has almost a 70% chance of needing some form of living or medical assistance as they age.1 And that help can come with a hefty cost that can impact both you and your loved ones…


What to Know If You’re Impacted By Alzheimer’s or Another Dementia

November is National Alzheimer’s Awareness Month, which serves as a sobering reminder of how widespread this and other forms of the disease have become. Studies show the following: More than 5 million Americans are currently living with Alzheimer’s Alzheimer’s is…


Preparing for Retirement

Determining Your Ideal Retirement Age

When someone asks you when you’d like to retire, what comes to mind besides ‘now’? Almost 37% of working Americans are targeting after age 65 for retirement, an increase of about 25% since 1991.1 While post-65 may be the ideal…


Is your financial plan in your head?

Conventional wisdom holds that having a plan for any goal makes it more likely that you will achieve your goal. This piece of wisdom can be applied to our financial goals, including both short-term goals like paying off credit cards…