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Beyond Medicare – How to Fund Health Care Costs in Retirement

As retirement draws closer, many of us cling to a false sense of security that Medicare will cover all of our health care costs. Once we hit 65, it’s all taken care of and we don’t have anything to worry about, right? Wrong. While it’s true that beginning at age 65 most Americans become Medicare…

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So You Want to Retire Early? What You Can Do Now to Prepare

You’ve done your time. You’ve had a long (and hopefully rewarding) career and are ready to ease into retirement. There’s one problem. You’re not quite officially retirement age yet. You have a few years (maybe more) until you reach age 62 and can start receiving Social Security. And a few more years still until you…

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Consider the “Why” When Gifting Assets

When it comes to gifting assets and passing down an inheritance, too often we fixate on the “how,” but don’t consider the “why”. In other words, although the mechanics of making gifts and transferring assets are important, such setting up irrevocable trusts or net gifts and bargain sales, so too is identifying the greater purpose…

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Five Ways to Find More Funds for Retirement Savings

Retirement planning is something of a catch-22 – the further people are from it, the more they should be doing to prepare. People just starting out or in their mid-career, however, have many competing financial needs today – house, kids, car, education – that they believe limits their ability to save for tomorrow. In reality,…

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Living Trust or Will? Here’s Why the Answer is Often “Both.”

The most important things you pass on to your loved ones are memories and values. For everything else, you’ll need an estate plan. A plan helps transitions go faster, smoother and gives you more control. Often the question is: Should I use a living trust, or a will? Depending on your situation, each may offer…

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