1. You should not rely on Medicare to pay for your long term care expenses.  Many people believe they can rely on Medicare to pay for any long-term care services they will need. However, Medicare only pays for long-term care if you require skilled services or recuperative care for a short period of time. Medicare does not pay for what comprises the majority of long-term care services - nonskilled assistance with Activities of Daily Living.
    
2. Many of you cannot count on Medicaid.

One of the biggest decisions many of our clients face is what to do with their 401(k) plan when they leave their employer. There is no clear cut answer as to whether you should roll over your 401(k) plan to an IRA, another employer’s 401(k) plan, or simply to leave it where it is, because it involves several different factors, including long term investment costs and the availability of investment options within the plans. Both can impact the long term performance of your retirement plan

In the story of Alice in Wonderland, Alice arrives at a fork in the road and wonders aloud which road to take. A smiling Cheshire Cat appears and asks her what her destination is, to which she replies, “I don’t know.” The toothy cat then proffers the only possible response, “Well, then it doesn’t matter.”

While it’s not the type of exchange that might actually occur in our lives, it should, especially as we consider our financial future. For many people, who have yet to clearly define their

In 2016, greater risks on a number of fronts are likely to increase the frequency and magnitude of volatility spikes for investors. 

More than five years ago, a client of mine who is a physician introduced me to Dr. Abul Sharah, who retired early from corporate life in Minnesota in 1999 and founded the International Village Clinic (IVC).  I learned that Abul had been born a fatherless, impoverished boy in Uttar Pradesh, India’s poorest province.  chance, brains, and hard work, he got an education and rose to senior engineering and marketing positions at Honeywell and MTS Systems over a 27-year career.

More than

Donor Advised Funds can be set up easily to accomplish both tax savings and charitable giving goals.  Most people think they need to have a big sum of money before considering setting up their own family charitable fund.  But Donor Advised Funds are the most popular charitable vehicles for donors at many levels of wealth.  You can start your own donor advised fund with as little as $10,000.  I generally recommend a minimum of $50,000 to my clients if they plan to request