One half of all adults do not have a will (there are not statistics regarding out-dated wills). The older we get, the more concerned we are with having this important document completed. I’m guessing most of my readers have a will, but I would also guess that it may have been drafted many years ago […]
Any retirement plan worth a grain of salt addresses the potential cost of long-term medical care. You or your spouse are very likely to need some sort of personal help getting along during retirement. Whether the help comes to your home or you live in an assisted living facility, the potential cost is VERY high. […]
Last week, I wrote about some perks of getting older. Unfortunately, one of the most difficult things about getting older in facing death. Over the past couple weeks, four of my peers have lost their father. They were good men and thought well of by their son’s, wives, and everyone else that knew them. As […]
This is the time of year you will hear much about IRAs (Individual Retirement Accounts) This is because an IRA contribution is the last tax deduction you can still create for your 2012 tax return to make a pretax IRA contribution (provided that you not eligible for another form of retirement saving, ect 401k defined benefit […]
Chances are more than 50/50 that you will need help getting along later in life. The cost is prohibitive and someone (not Medicare) will pay the bills. Home health care is expensive and nursing home care is REALLY EXPENSIVE. The tab could be a few hundred thousand dollars! “Failing to Plan is Planning to […]
Avoiding life’s big financial planning mistakes is not hard if you plan well. Financial planning, however, takes a backseat to day-to-day living for many people and this is where the potential problems creep in. Here is a list of five key planning issues that everyone should address: 1. Not Enough Liquid Savings Having plenty […]
Last week, I was shaken when I heard about the tragic death of a Glen Ellyn acquaintance that lost a two-year battle to cancer. The death of this fine man, husband and father hit home not only because he had lived a few blocks away, but he was also my age, 48, and had three […]
Yes, I am referring to you. My favorite retirement savings vehicle is the Roth IRA and you may be wise to use it. There are 3 ways to fund a Roth IRA. 1. FRONT-DOOR Roth Contribution – Contribute directly if – Married family income under $173,000 (phased out to $183,000) A Roth IRA is funded […]
Brad Rosley, CFP® & Ann Gunst, CPA, CFP® will be presenting strategies to help investors keep more of what they earn and the federal tax laws are set to change. “It’s not what you make, but what you keep that counts.” Space is limited. Date: Wednesday, December 5, 2012 Time: 10:00 AM – 10:30 AM […]
When Romney Wins – Then What? Since Mr. Romney is well positioned to win the presidential election, I’ll take a few minutes to explain what I think might happen if Governor Romney is elected the 44th President of the United States. If Republicans also win both houses of Congress, expect there to be quite a […]
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