Life sure has changed recently, hasn’t it? We’re all stretching wide to meet the new demands placed on how we work, parent and spend our free time. Every day is an exercise in flexibility and adaptability, much as it always was but to an even greater extent. You’ve probably also noticed family and friends managing…
Read MoreThe question ‘Will I have enough money to live on?” has one short, unsatisfying answer: It depends. But wait—before you decide no plan is a good plan, let’s consider the odds. Say Person A is single, 35 years old, has $100,000 in savings, saves $1000 from their paycheck and contributes monthly to a 401(k). They’re…
Read MoreImagine watching your favorite sport. What would the experience be like if the game didn’t have any rules? No scoring system, no penalties, just make it up as you go. It’d be a free-for-all, right? Rules actually allow players and spectators the freedom to enjoy the game. It’s counterintuitive, but true. Rules = freedom. Establishing…
Read MoreThe single biggest problem with communication is the illusion that it has taken place. – George Bernard Shaw Most of us try to avoid uncomfortable conversations. And if we find ourselves in the middle of one, we might skim over the topic instead of dive in deeper. For better or worse, healthy relationships depend on…
Read MorePlanning for retirement should make you feel empowered, but many people procrastinate because they’re afraid. They worry that starting to plan will raise more questions and create more stress and uncertainty about what they don’t know. We can move beyond this! By tackling the process strategically and keeping a positive attitude, it’s possible to accomplish…
Read MoreWhat if someone told you, “You’re not an olympic athlete, so you’re not in good physical health.” Even though you work out regularly, maintain a healthy diet, follow good sleep habits and feel great. That statement wouldn’t make any sense, right? The same analogy applies to financial health. Having an enormous amount of money in…
Read MoreYou may have had multiple jobs over your career, and left behind retirement account balances of critical building blocks for your retirement.
Read MoreAccording to the Identity Theft Resource Center, the number of U.S. data breaches hit a new high in 2017. Nearly 20% of breaches included credit and debit card information, a nearly 6% increase from the prior year. The actual number of records included in these breaches grew dramatically. This crime occurs when a thief obtains…
Read MoreHow can you help your heirs sustain what you’ve created? Your wealth has meaning. It should be conveyed to your heirs or your favorite causes in a way that expresses your values. Through legacy planning, that objective can be realized. Legacy planning encompasses more than the transfer of assets. It is about how you want…
Read MoreThe risks to your wealth aren’t only in the financial markets. The wealthier you become, the more liability protection matters. We live in a litigious world, one in which even friends and neighbors can be convinced to see opportunity in the wake of misfortune. A (larger) umbrella liability policy may be an excellent idea. Could…
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