By Dena Fischer
When my parents died within four months of each other I was left reeling by the loss, and I also knew there would be a lot to handle. Before they passed, I knew that I would inherit the house we had moved into when I was 15 years old; a lovely ranch with a full basement, next door to a horse farm. In the “country,” but just minutes from grocery stores, banks, post office and restaurants.
It was also full of stuff accumulated over a lifetime and needed a drastic update.
By Jessica Searcy Kmetty
Estate Planning looks different for parents who have a child with special needs.
The Life Plan
For many, Estate Planning involves directing assets to be disbursed in a way that benefits those we leave behind. You might have a simple Will or you might create a Trust to have more flexibility. If you have a child with special needs, your estate plan may be designed to provide for their needs without disqualifying them from government benefits.
Taking care of the formalities are essential, but as a parent, how can you be assured that your child will lead as full and complete a life as possible after you die?
By Marc Shaffer
Congratulations! Your child has received a scholarship and now you’re probably wondering how this will factor into your 529 Plan.
By Jessica Searcy Kmetty
Whether you’re talking about finances as a couple, as a family, or with a financial advisor, the situation can feel uncomfortable and vulnerable.
Chances are, finances weren’t talked about in your house growing up. For many, discussing such things was considered taboo, so it’s hard to start a conversation now about something you just don’t have experience talking about.
But, staying quiet about finances could hurt you.
By Jessica Searcy Kmetty
Finding a great job is not always easy, and it can be even harder for a parent who is juggling responsibilities of caring for a child with special needs.
In the 2019/2020 school year, there were 7.28 million disabled 3 to 21 year olds in the United States who were covered by the Individuals with Disabilities Education Act (IDEA). According to the US Census Bureau Report, 2 in 7 households report having at least one member with a disability and one in every 26 American families reported raising a child with a disability.
With regulations in place prohibiting employers from asking certain interview or health-related questions, you may wonder how much information you should openly share with an employer or a perspective employer.
As a business owner, your business is an important piece of your financial plan. It may also be one of the assets that requires your most attention, and there are many ways in which you must work to protect your business. One area that can be overlooked is insuring your business against cyber liability.
Is your business protected?
By Marc Shaffer
Our health is one of the most important things we have in life. It is vital for our ability to live – not to just be alive, but to actually LIVE.
There are many ways in which our health and wellness needs can be met, and the route you choose may be a mix of traditional and alternative medicines, exercises and practices.
Several studies have looked into the emotional and physical benefits of touch. How important is physical touch to you? In our isolated world, we might not realize how important physical touch is until we’ve been without it for some time. In fact, physical touch is designated as one of the five “Love Languages.”
There are many retirement questions we hear over and over, so we know these are the major questions that weigh heavy on the minds of future retirees. Let’s discuss one big retirement question: What if inflation is high?
High net worth investors face investment challenges that some would consider unique to their financial status. The fundamental tenets of investing apply equally to them as with any other investor, but the affluent investor needs to be mindful of issues that typically arise only from substantial wealth.
Don’t put all your eggs in one basket. It’s a colloquial saying we’ve heard many times, and it’s an important one when it comes to your investment strategy. We know diversification makes good sense and can help you reach your long-term goals. But occasionally, a certain stock will come along that can make you throw disciplined investment principles out the window. Sometimes, the allure of individual stocks is just too attractive to the average investor.
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