You spend a lifetime earning, saving, acquiring. But the old adage is true—you can’t take it with you. So, what do you do with your assets when you’re gone? How do you want them distributed? That’s where a good estate plan comes in. However, some estate plans are based...
Alhambra's Bob Williams describes how working past age 70, after delayed credits have stopped, can still increase your Social Security benefit.
It’s not uncommon to see the flashing lights and hear the blaring siren of an ambulance rushing to someone’s aid or transporting them to the hospital for emergency treatment. And no matter whether the ambulance is operated by a private company or a government entity, they are an important...
COVID-19. No one has seen anything like it before and hopefully we’ll never see anything like it again. As the pandemic swept across the United States, it swept millions of people onto the unemployment rolls creating the highest level of unemployment among Americans since the Great Depression.
Congress passed the...
Planning for retirement. There’s a lot of work that goes into it. You want to make sure you’ve saved enough, got things paid off if possible. You certainly want to know what your expenses will be so your retirement budget doesn’t blow up.
One of the line items with the...
I was having a
conversation about retirement health insurance with an acquaintance of mine who
just retired. He’s a former corporate executive—an analytical person—who’s
always done his homework to avoid as many surprises as possible in the business
world. He’s done the same thing with healthcare and decided that a Medigap
policy is best...
A Power of Attorney (POA) document is a common estate planning tool. Whether it’s classified as General, Durable, Non-Durable, Medical, Limited, or Conditional, every POA is advance preparation to take care of you should something happen that prohibits you from taking care of yourself.
Every POA names an agent and...
- A well-thought-out process for distributing your estate to people and institutions you wish to benefit.
When thinking about estate planning, your approach may be that of many Americans—distribute the estate to your kids as soon as possible after your death. That’s a workable plan for many. But it...