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Five Strategies For Paying For College When Money Is Tight

Everyone knows how important it is to have a college degree… As a parent, you know that providing your children with a college education is one of the best things you can do to ensure their future. Yet, in a recent Gallup poll, 70% of the parents surveyed admitted they have no idea how they’re going to pay to send their children to college. And it’s not just that money is tight. Tuition and fees are rising Read More

Your Estate Planning Checklist

The death of a parent… Medical issues… Birth of a child… A milestone birthday… Any of these events can trigger the urge to put your affairs in order and plan your estate. One of the best things you can for your loved ones is to leave them an estate that’s well organized, clear cut and easy to administer. While we talk often about the need for a sound estate plan, we know that trying to plan your estate can be Read More

What If?

Most people start the process of estate planning to deal with “What If”. What If you died and your children were still too young to care for themselves? What If you were no longer physically able to care for yourself? What If you had very specific instructions for how your property should be passed on? Every person on the planet has an individual list of things they worry about.   And those worries are often what Read More

The Family Business Succession Plan – An Important Piece of the Estate Planning Puzzle

Do you own a family business? If so, you have plenty of company. More than 90% of U.S. businesses are family businesses. Out of the Fortune 500, 150 are family businesses. Now, would you like to hear some really startling statistics? Only 30% of family businesses will survive into the family’s second generation, 12% to the third generation and only 4% last to the fourth generation. Scary statistics, aren’t Read More

Saving Your Heirs From Themselves

You’ve worked hard for your money... You’ve made some good investments and lived well within your means... You want to leave as much as possible to your heirs but... That grandson has a serious snowboarding addiction... Or maybe your daughter is just crazy about her new husband and the guy hasn’t had a steady job since he mowed yards in eighth grade... You don’t want to disinherit them but how do you save them Read More

Interviewing Your Financial Planner

It’s a new year - time to get the financial house in order. But with all the bad news about crooked investment counselors and dishonest financial planners, you may be more than a little hesitant to trust someone with your life savings. If you want to hire a professional to handle your portfolio, you need to do what folks in the legal trade call “due diligence”. You need to do your homework and interview the Read More

The Straight Scoop on the New Tax Law and Your Estate Plan

Tax laws are confusing on a good day… What you can deduct… What you have to claim… And with all the recent changes to the laws, it’s almost impossible to know if you’re doing the right thing. We’re hoping this will help. Here’s the straight scoop on how the new federal tax law affects your estate plan (Important Note: these are changes to the federal tax laws – Massachusetts tax laws, including the Massachusetts Read More

New Year’s Resolutions For Your Portfolio

We all make New Year’s resolutions… Losing weight… Spending more time with family… Learning a new language… Few of us think of our investment portfolio in terms of resolutions.  But we should. This is a great time to sit down and really look at how your investments have done this year and plan for the next.  If you’re a do-it-yourself investor, with all the market volatility this would be a great time to talk to Read More

Are You Ready for the 2011 Tax Changes?

If ever there was a time to call your estate planning or tax attorney, now is that time. The tax cuts instituted by the Bush administration in 2001 and 2003 are set to expire in 2011 unless Congress does something to stop it before the end of this year.  There are many proposed bills up for discussion right now but it’s anyone’s guess which, if any, will be passed in time. If you are a single person earning Read More

What Do You Know About Long Term Care and Medicaid Planning?

When was the last time you actually looked at your estate plan? Have you ever seen your parents' estate plan? Many people don't like to even think about their parents aging and the eventual need for long-term care, much less their own. Changes in Medicaid eligibility requirements have taken place in the last four years or so that make this "ostrich approach" to one of life's unpleasant facts a very expensive Read More