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I wanted to inform you of an important concept that our readers should be aware  of. As a certified financial planner concentrating in the Eldercare marketplace Ive always advocated that a Parent should be actively involved in the process of choosing  a preferred method of care if and when it became necessary for him /  

Upon the death of a loved one, there are always questions among surviving family members. Whether their questions concern legal, financial, business or personal matters, the uncertainty of how to proceed can leave a mourning family in great distress. Worse still, without having specific guidelines to follow, conflicts can lead to feuding and law suits, or at a minimum, unnecessary ill will. Surely this is not what the deceased  

It is not only students who have much to learn this year. With all of the changes taking place in the world of 403bs, teachers and administrators are going to have to also be very diligent in keeping up with their studies.  With all of the plans and protocols in a state of flux, it has never been more important for you to understand your options as well as have the right tools to evaluate your options.

As you attempt to build your financial life over the coming months and years, consider that if you are not working with a trusted financial advisor, you should make this priority number one. I have been a certified financial planner for the past thirty years and have always reminded clients that good financial advice doesn’t cost, it pays in more measurable ways than you can imagine.

But today, never has this been more true. Given the current world financial collapse, it has been the watershed event that proves that no one  

Overeating isn’t the only cause of acid indigestion during this start of the holiday season. The other reason is that investors are examining their year-end statements and seeing the dramatic decline in value in just the past twelve months. This is especially true of those with IRAs and it raises many questions. Should they change the asset allocations? Continue to make contributions? What about switching to a Roth IRA?

WELCOME WALL STREET JOURNAL READERS!

Chances are pretty good that if you stay healthy eat right and take care of yourself you’ll get to live a long healthy life. The Trusted Expert in our network want to remind you that with longevity comes an added responsibility to do things today to help you financially and emotionally prepare for that long life. This type of planning helps assure yourself that the rest of your life will be filled  

Guaranteed income for life sounds like one of those grand prize for a contest that one person wins and everyone else dreams about. But there is an investment that offers such a thing, and under the right circumstances, it can be a winning strategy. It’s called an immediate fixed annuity, or income annuity, and it works like this: buy a one-time premium from an insurance company, and in return, get a guaranteed  

Many pre-paid tuition plans are sponsored by state governments and have residency requirements. State  

You’re excited today is the day you’ve been waiting for. You have an appointment with the person who will give you and go over your Retirement Packet with all your financial information. You’ll see exactly what you can expect to get each month you’re retired.

When it comes to making deposits into a 403b or 401k, a typical investor goes on auto-pilot. They make the same decision they did the previous month or quarter, assuming that it’s safer to stick to an old game plan rather than explore new opportunities. But if we have learned anything from this market volatility, it is that to insure growth, you must be proactive, assess your risk tolerance and focus on long term goals.

The first step in accomplishing all of this is to understand your mindset. When making a deposit, are you only thinking about buying the safest investments and parking the money until you have more confidence in the market? Or, or are you an opportunist who is willing to look for the greatest values, knowing that your  

Whether Youre A Corporate Executive, Business Owner  Or A Professional, The Chances Of You Or Your Key men Or Partners Suffering A Significant Loss Of Income Due To A Disability Are Staggeringly High.

Clients keep asking me if there is a silver lining beneath the market turmoil and believe it or not there is not one, but two. Just as the sky high gas prices forced us all to rethink our driving habits and our daily trips, the dramatic downturn in the market has forced us all to rethink our spending habits. Who among us isn’t holding off on expensive vacations and the latest gadgets? And it’s a good thing. By putting the brakes on our excessiveness, we will all be better off by not abusing credit cards and subsequently having more money to save and invest.

(Hint: maximizing your tax refund may be the best investment advice you get this year)

As a financial planner, I have always urged my clients to do their taxes twice a year. And though I’ve grown accustomed to hearing the grumbling about  

Capitulation sounds like one of those SAT words you can immediately forget after the test, but with the recent economic crisis, it’s a good time to review the meaning. In financial terms, capitulation is when frightened investors lose faith in the market after a period of losses and decide to jump ship en masse. In other words, unable to stomach any further losses, they collectively sell in a panic and look for safer havens.