Estate planning for children's accounts like 529 plans and UTMA accounts often overlooks naming a successor. Not naming a successor for these accounts can lead to delays. Read the original report.
Retirement
Medicare’s 2027 enrollment period brings major changes as Part D subsidies end and Advantage payments shift. Learn how premiums, coverage and costs may change. Read the original report.
Learn how giving money earlier, with structure and clear values, creates a more meaningful legacy than a traditional late‑life inheritance. Read the original report.
Many people are relying on AI too much. AI is a tool and will not replace the relationships in our lives that add to our heath and well-being. We need to be intentional about nurturing our relationships. Read the original report.
Learn how the type of investment account you use can influence tax efficiency in retirement and why thoughtful planning may help improve long-term financial outcomes. Read the original report.
Learn how Roth conversions work, when they may make sense, and how taxes, RMDs, Medicare premiums and withdrawal rules may affect your retirement plan. Read the original report.
Retirees face nonstop disruption — from inflation to technology shifts — reshaping expectations, recovery time and what it means to feel secure in retirement. Read the original report.
The optional forms aim to standardize direct rollovers, encourage electronic transfers, and take some of the paperwork out of moving retirement savings. Read the original report.
Opus Newton has used resident volunteerism, ongoing care in resident apartments, and other changes to hold down costs and stay affordable for middle-income seniors. Read the original report.
Part D isn’t going away, but premium subsidies are. Learn what that could mean for 2027 costs and why switching to Medicare Advantage deserves careful thought. Read the original report.
Is there anything artificial intelligence can’t do? Well, the answer is “plenty.” The more precise response is, “It all depends on what you’re asking AI.” This is especially true for retirement questions. There’s no doubt that, like any computer, it’s a whiz at number crunching. In fact, it’s much more than that. It’s that chatty
Can you afford to retire if you have $1 million in savings? As with many questions, the answer is “It depends.” Your values, circumstances, and smart planning can make or break a financially successful retirement. Let’s look at the details. Is $1 Million A Lot Of Money In Retirement? If you compare yourself to all
Economic policy uncertainty has surged since Donald Trump’s election. This can be bad, not just for the stock market, but also for business investments and for consumer spending, if the past is any indication. At this point, it is unclear whether tariffs will happen, whether the federal government will stay open after March 14, whether
It’s Never Too Late To Build Your Retirement Nest Egg Starting retirement savings later in life can feel daunting, but it’s far from impossible. The best advice is to start early, but in reality, life may not allow for this, or one may have simply let time slip away. Unfortunately, a staggering number of people
For many adult children, watching their aging parents struggle with daily living in an unsafe home is a distressing reality. The situation becomes even more challenging when those parents adamantly refuse to leave despite clear evidence that their environment is no longer safe. Consider the real case of an elderly couple, both in their late
Despite President Trump’s repeated promises that “we’re not touching Social Security, other than to make it more efficient,” it appears his Administration is planning deep cuts in the program’s administration. And that inevitably will mean trouble for those receiving or applying for benefits. By slashing staff and tinkering with its internal computer systems, the Trump
Passing money from one generation to the next in trust can have its pitfalls. Often when a trust is created, the ultimate beneficiaries are not even born. How is the person creating the trust to know how their grandchildren will turn out if they are still running around in diapers or if they have never
One of the most misunderstood Social Security issues is how working past age 62 affects retirement benefits. Misunderstandings often cause people to make the wrong decisions about claiming benefits or mislead them about the likely level of benefits. You can begin claiming Social Security retirement benefits as early as age 62, whether you are working
When I talk to prospects and clients about retirement investing, no one usually thinks about what companies are inside their portfolio. They often have a shocked reaction thinking that they might be making money on the backs of the unfortunate prey of predatory lenders. Research provider YourStake defines predatory lending as “Companies that have received
Many investors who prospered from gold’s bull market will be surprised by how profits on their gold investments are taxed. Gold is a collectible in the tax code, giving it less favorable treatment than most other investments. The first unfavorable treatment is that IRAs and other individually-directed retirement accounts (both traditional and Roth versions) aren’t