Articles

Social Security: It’s more than a monthly check. As you approach retirement, you are likely to face a host of decisions that could significantly impact your financial future. One of the critical decisions you’ll make is filing for your Social Security benefits, a choice that plays an important role in...
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Social Security: It’s more than a monthly check. As you approach retirement, you are likely to face a host of decisions that could significantly impact your financial future. One of the critical decisions you’ll make is filing for your Social Security benefits, a choice that plays an important role in...
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2022 is drawing to a close. This is a good time to review all your beneficiary designations on your life insurance policies, annuity polices, and your retirement plans; especially if you experience a significant life event. You want to make sure your monies are disbursed accurately according to your latest...
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1) The unexpected event of Hurricane Ian hit hard in Florida a few weeks ago. It is estimated the damage is over 100 billion dollars. The largest financial loss in hurricane history. We’ve been talking these past several years about preparing economically as best as we can for this type...
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Which Assets Are NOT Affected by your state’s Intestate Succession (dying without a will)? The state of Florida has the following rules:a. Assets transferred to a living trust. b. Assets with named beneficiaries (including contingent beneficiaries). c. Payable-on-death accounts. d. Securities held in transfer-on-death accounts. e. Property and assets owned...
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1) Trust vs Will – What is the difference? Will – A Will tells the courts how you would like your assets to be distributed and your affairs handled after death. The process is handled by judicial proceedings called probate, which is a public, and therefore open institution. A Will...
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What is the difference between spousal benefits and survivor benefits when taking Social Security? I get this question asked a lot from clients and prospects. While spousal benefits are capped at 50% of your spouse's benefit amount, survivor benefits are not. If you're widowed, you're eligible to receive the full...
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Are we in a bear market? If so, according to Ned Davis Research in 2020, the average bear market lasts 3.6 years. Preparing for it while you are in the Red Danger Zone (six years before and after retirement) requires that you have enough protected and consistent income to handle...
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Money is a commodity, scarcity, and a resource. Money, like all commodities, can rise and fall in value. Money is the one commodity universally accepted as an exchange for every other commodity. As John Steele Gordon states “As the price of money falls, the price of every other commodity must...
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Four steps to take not only to survive but thrive. Don’t panic - Start planning now! Detail your lifestyle expenses so you can determine how much essential income you need to live on. Managing your liabilities is as important as managing your investments. Make sure your lifestyle expenses are covered...
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