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Healthcare does not have to wreak financial havoc on your retirement if you plan properly. The first step towards financial freedom in your golden years is research. No one can hit a target they can’t see, so blind estimates about costs are futile and potentially dangerous. It’s never too late to start developing a retirement budget, and the best way to do so is to get hard numbers.
Learn three important steps to keep yourself and your loved ones from succumbing to poor mental health.
Did You Remember to Designate a Beneficiary? When reviewing current beneficiary designation or if you are completing these forms for the first time, you need to consider not only who the primary beneficiary is, but also what happens if that primary beneficiary predeceases you.
Aging is a process that slows our metabolism and changes the way we live on a daily basis. Here is a list of activities and dietary ideas to help you live your best age.
No one wants to be the one to take away someone’s driving privilege. However, operating a vehicle is incredibly dangerous even with one’s full faculties and this danger increases with age. Learn some warning signs that your loved one needs to retire his/her driver’s license.
As important as it is to ensure safety when driving, the consequences of being unable to drive can feel overwhelming. Learn how to make it work.
What if you know exactly who you want as your child’s guardian? Or if you know exactly who you would not want to be guardian? You need a will if you want to choose who takes care of your child if you were to die before they reach 18.
Here are some tips from the Federal Trade Commission and Bank of America to help keep you safe from scams over the phone, email, etc. because if you send information or money to a scammer, there is little–or nothing–that your bank can do to help.
As Medicare Advantage providers begin to implement new benefits, it is important to evaluate your insurance options during each Medicare enrollment period. Additionally, even with expanded benefits, it is still crucial to plan for long-term care. Private long-term care insurance, private paying, and Medi-Cal will still be the primary sources for paying for long-term care, not Medicare.
Reviewing your estate plan will alert you to any changes that need to be addressed. For example, you may need to make changes to your plan to ensure it meets all of your goals, or when an executor, trustee, or guardian can no longer serve in that capacity. You’ll probably want to do a quick review each year, because changes in the economy and in the tax code often occur on a yearly basis. Every five years, do a more thorough review.