Add Excitement To Your IRA With A QLAC Old-Age AnnuityWith a fixed-income backstop for later years, you can be more adventurous with the rest of your retirement investing.Stocks will probably do a lot better than bonds. But retirees can’t be sure of that, and especially can’t be sure they won’t get …
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File the FAFSA Now: Urgent Reasons for Families to File Early in 2020 for College Aid
File the FAFSA Now: Urgent Reasons for Families to File Early in 2020 for College AidIf you have a college-bound student at home, don't procrastinate on securing financial aid for the 2021-22 school year.Everything is different in 2020, including the FAFSA, and college-bound students and their …
Getting Remarried? Avoid These 4 Estate-Planning Pitfalls
Getting Remarried? Avoid These 4 Estate-Planning PitfallsWith a rise in "gray divorces" in recent years, it’s only natural that remarriage has become more prevalent among seniors. But people tend to be lax about updating their estate plan.It’s easy to have an estate plan fall out of date following a …
IN-HOME CARE & COMMUNITY MEDICAID CHANGES IN EFFECT
In-Home Care & Community Medicaid Changes In EffectThe NYS Governor’s budget cuts from the Medicaid program directly affect the aged and disabled individuals in need of community and in-home care Medicaid benefits. These changes are being implemented effective January 1, 2021. Subject to …
The Continuum Of Long-Term Care
By Bill Monte, CLU, ChFC, CLTC, LTCP, RICP Many people receive long-term care at their homes, community centers, or adult day care centers. Institutionalized living is not always necessary, and proper long-term care planning may allow one to remain at home longer than otherwise possible. For …