AARP Retirement Calculator: Are You Saving Enough?

AARP provides an excellent tool for our clients to know whether or not they are on track to be able to retire when they desire. I just used this tool for Melinda and I. I have been uncomfortable with where we were before, because I did not have my metrics properly...

10 Things Social Security Won’t Tell You

1. “Long-term deficit? We can hardly afford our bills today.” About a third of workers in their 50s expect Social Security benefits to be their primary source of income in retirement, according to the Transamerica Center for Retirement Studies. That reliance gives...

The 95th Raising of the Debt Ceiling

This article comes from local financial advisor Elliott Orsillo (www.seasoninvestments.com). Elliott’s excellent analysis of the history and political realities of the debt ceiling debate is worth perusing. Hope this helps you! Sincerely, John Posted on January...

Understanding Life Insurance Trusts

1. What does a life insurance trust do? An irrevocable life insurance trust gives you more control over your insurance policies and the money that is paid from them. It also lets you reduce or even eliminate estate taxes, so more of your estate can go to your loved...

Understanding Charitable Remainder Trusts

How to Secure a Lifetime Income, Save Taxes & Benefit a Charity Since 1969, countless families have used charitable remainder trusts (CRTs) to increase their incomes, save taxes and benefit charities. What does a CRT do? A CRT lets you convert a highly appreciated...