Financial Advisor
The federal estate tax exemption amount is inflation-adjusted by the IRS each year. Heirs won’t pay the federal estate tax unless the value of your estate exceeds the exemption amount. For people who pass away in 2024, the exemption amount…
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Do You Need Long Term Care Insurance? Long term care (LTC) insurance* is for people with prolonged physical illness, a disability or cognitive impairment (such as Alzheimer’s disease). The need for long-term care may begin gradually as you find that…
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How to choose Investments? You want to choose investments that will meet your financial goals. To do that, it’s important to understand what your investment choices are and how different types of investments work. Risks and potential returns vary greatly…
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What you need to know about estate planning: 1. No matter your net worth, it’s important to have a basic estate plan in place. Such a plan ensures that your wishes are met after you die. 2. An estate plan…
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What is Social Security? Social Security was established in 1935 to alleviate poverty among the elderly during the Great Depression. It was created as a self-financing program that would collect payroll taxes from workers which would immediately be paid out…
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How to choose the right life insurance policy for you and your family? A life insurance policy is a contract with an insurance company. In exchange for premiums (payments), the insurance company provides a lump-sum payment, known as a death benefit,…
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ObamaCare Provisions at a Glance The following is a list of key ACA (Affordable Care Act = “ObamaCare”) provisions (with the implementation date in parentheses, where applicable): Dependents may be covered by their parents’ insurance plans until they turn 26…
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What is Cost Segregation? Cost Segregation is an engineering-based approach to identifying assets within a building that can be reclassified into a much shorter depreciation recovery period than the building itself. Real estate properties are generally depreciated using a straight-line…
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How much do you need to save for college? Do you know the many different tax-advantaged ways to save for college? Or, if you are already saving for college, are you keeping pace for rising college costs? I will help answer your…
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No matter how young or matured you are, I will help you choose the right strategies to save and to prepare for your retirement, or to review your existing plans. How to start Planning? Identify and review your income and…
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