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Category Archives: Wealth Protection
What Happens to My Retirement Assets in the Event of a Divorce?
Federal law requires that participants in employer-sponsored retirement plans designate their spouse as their beneficiary unless the spouse waives this right in writing. Assuming that you and your spouse adhered to this practice, a document known as a Qualified Domestic Relations Order (QDRO), which is part of a divorce settlement, specifies how retirement assets are [...]
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Do You Need Disability Income Insurance?
The key to determining your needs is to assess how much you would be required to spend during each week or month that you would be unable to earn your normal pay. Your best defense against a financial catastrophe brought on by long-term illness or injury may be the purchase of a disability income insurance [...]
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Is Long-Term Care Insurance a Good Idea?
There is a good possibility that you or your spouse will eventually require some form of long-term care. According to the U.S. Department of Health and Human Services, about 40% of people aged 65 or older will enter a nursing home for some period of time during their lifetimes.1 Cost of Care Perhaps the first [...]
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The Federal Death Tax Might Be Taking a Holiday, But Keep an Eye on Inheritance Tax Policy
With the 24/7 rush to get health care reform legislation through the U.S. Senate in the waning days of 2009 and so far in 2010, Congress let the federal estate tax die for 2010 as planned by the Bush Administration back in 2001. That’s not expected to stay the case for long. Many experts anticipate [...]
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What to Expect from Sudden Wealth
What to Expect from Sudden Wealth By Donald L. Haisman, CFP® Our Informative Whitepaper Do not be surprised if you find it hard to handle how you should live now that you suddenly find yourself with wealth. You need to be on solid ground emotionally and have a plan of action, otherwise the winnings will [...]
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Financial Planning When the Diagnosis Is Alzheimer’s
by Donald L. Haisman, CFP® He sounded very sad, after I phoned with good news. I could tell there was something he wanted to tell me. He said he was not doing too well. I pressed him for more information. He said it was his wife,…she had been slipping mentally and had just received the [...]
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Long Term Care Insurance and Financial Planning
By Roger J Macaione Jr. CFP, CLU The possibility of a long term care need is much too great to ignore in assembling the pieces of a sound financial plan today. The stark statistics speak for themselves:¹ About 70% of individuals over age 65 will need at least some type of long term care services in their [...]
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Intelligent Investing: 5 Key Concepts for Investment Success Today
By Donald L. Haisman, CFP© Get our free whitepaper by clicking here. Share and Enjoy:
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Retirement Financing Risks