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Financial Planning

“I can’t wait to get on Medicare!” I’m hearing that more often from people approaching 65 years old. Since the passage of the Affordable Care Act (ACA) in 2010 health insurance has become anything but affordable. I know people paying more for their health insurance than they pay for their mortgage....
“I can’t wait to retire!” Have those words ever come out of your mouth? Oh, the thought of divorcing that demanding, unreasonable boss; doing what you want when you want; burning all the bridges you never intend to cross again. It’s the payoff for all those years of hard work.
Ah, for the good old days when the retirement formula was simple. Get a job. Retire at 65. Go home and collect your pension. But those days are long gone. Pension benefits became too expensive for companies to maintain.  They cancelled the plans, started matching contributions to 401(k)s and pushed the...
Nobody has a crystal ball, but it’s certain that the American landscape is changing and the change is driven by the Millennial generation. Millennials are changing attitudes, workplaces, work ethics, what’s acceptable and what’s not. They’re driven more by technology than relationship. They see things from a...
Since the passage of the Affordable Care Act (ACA) in 2010, health insurance has become a four-letter word. There is an unending search to find the best coverage with the most benefits at the best price. It’s hard to wade through the swamp of legitimate plans and protect yourself from the...
How do you know if your financial adviser is acting in your best interest? It’s ashamed that the question even has to be asked—but it does. Are you truly working with a financial adviser, or are you dealing with a financial salesman? In its simplest form, a financial...