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May 01

#TuesdayTips: Caring for Aging Parents

By Jessica L. Estes 

Currently, it is estimated that approximately one-third of the U.S. population provides care for a chronically ill, disabled, or aged family member and spends, on average, twenty hours per week providing that care.  Caring for your aging parents is not an easy task.  Not only can it be overwhelming, but it may cause stress in your life which can manifest itself in various ways, including illness, depression and/or anxiety, or strained family relationships. Read More

Apr 10

#TuesdayTips: Long-Term Care Insurance Policies

By Jessica L. Estes

 Generally, most people do not have sufficient income or assets to fund their long-term care for extended periods of time.  And, most people are not what the government deems “needs-based,” so they would not qualify immediately for any needs-based benefits.  Rather, most individuals are somewhere in the middle.Read More

Feb 20

#TuesdayTips: Asset Preservation in 3 Easy Steps

By Jessica L. Estes

Asset preservation is simple; all it takes are three easy steps.  First, know the rules.  Second, know your predators.  Third, know your options.

There are two sets of rules: rules that apply during your lifetime and rules that apply after your death.  During your lifetime, your named financial and health care powers of attorney will be able to act for you with respect to your finances and medical/end- of-life decisions, respectively.  These are your rules.  If you do not have these powers of attorney, you should get them; otherwise, your loved ones will have to apply for legal guardianship of you.  Read More

Dec 12

#TuesdayTips: Charitable Remainder Trusts

It’s that time of year again… the hustle and bustle of the holidays are upon us!  If you are like me, you may still be searching for that perfect gift for everyone on your list.  Perhaps this year, as you make your list and check it twice, you may want to consider a charitable remainder trust.

A charitable remainder trust is an irrevocable trust that allows the donor, or anyone else you name, to receive each year either a fixed dollar amount from the trust or a percentage (at least 5%) of the value of the trust.  Read More