If you have never experienced the death of a friend, life partner or family member it can be an experience into the unknown on many different levels – physical, spiritual, financial.  You might have many questions about what probate is, especially if you have been designated the Personal Representative of the decedent’s Last Will &…

These three words have the power to change your life. In my over 30 years as a financial advisor, I’ve observed that the biggest challenge most have in saving for retirement is that there simply never seems to be any money “left-over” to put into savings. And for those who do put money aside, it’s…

9 Insider Tips for Filing An Insurance Claim After A Disaster When it comes to filing a homeowners or business insurance claim after a hurricane, fire or other disaster, rarely is it simple. Insurance and the laws that govern it, are by nature, complex. Add to that, the uniqueness of your situation, and an insurance…

Do you have an aging relative who needs long-term medical care for a  chronic illness? Is your loved one living at home, in an assisted living facility or a skilled nursing home? Are you concerned about how to pay for their medical expenses? If you answered ‘yes’ to any of these questions you need to…

There’s no better time than summertime – rest, relaxation and seeing the world. You’ve waited all year for your vacation. You’ve got your passport, the pet sitter is confirmed but wait- do you have your estate & incapacity plan in place? If you do is it so old it needs to be updated to meet…

There is nothing worse than obtaining a great settlement for your client at mediation and then realizing that your client is not competent to accept the settlement and sign the necessary release and other documents. It can take 4-6 weeks to complete the incapacity phase of a mental health proceeding and have the Court appoint a…

Public Adjusters are licensed and insured professionals who assist policyholders with their insurance claims.”Public Adjusters stand up for policyholders.” They know and understand how to evaluate the damages, caused by many different forms of losses that can occur to a person’s home or property; they understand how insurance policies work. From pipe-breaks to hurricanes, sink…

If you have met with me for a consultation to discuss long term care planning during the last three years, you have heard me mention that the VA was proposing changes to its eligibility rules for need-based programs such as pension and Aid & Attendance.  These VA monetary benefits are paid to veterans and/or their surviving spouses to supplement…

It is not unheard of for children or grandchildren to move into an elder’s home because they are not financially stable or they are going through a divorce. However, if those relatives become a caregiver to the elder that owns the home they must put the elder’s needs above their own personal interests (i.e. fear of losing…

At some time you or your parents may need home health services due to an illness, accident or disease so that you can heal in your own home. The first question you will probably ask (if you don’t have a long term care insurance policy) is ‘how much will it cost me?’ While price is…