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Social Security Reset May Go Away
(General/Articles)
... As with anything, there could be drawbacks to this strategy. The biggest one I see is life expectancy; if benefits are paid back then you need to expect to live long enough for the new, larger benefits ...
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There Ain't No Cure, But Is There An Upside To The Summertime Blues?
(General/Articles)
... enjoyment (stop watching those fictional flipping shows on TV!). Nevertheless, home ownership for its own sake makes more sense today than it has for a very long time. Arguably, buyers can now save ...
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What is Your Long-Term Care Plan?
(General/Articles)
... fast and many people have not had a discussion with their family about what their long-term care plan is. A long-term care plan, in my mind, is about your health care, not just insurance. Health ...
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Increase Your Social Security Income
(General/Articles)
... age of the person taking the benefits). So I have been asked, what is the catch? There is not one as long as you both qualify for benefits already and the spouse that is at Full Retirement Age (FRA ...
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Dog Bites
(General/Articles)
... high in the United States. Unfortunately, along with this significant growth in dog ownership comes a huge downside; dog bites causing serious injury or death are growing at a rate of 11% per year! ...
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Estate Tax Trouble in 2010
(General/Articles)
... benefited by the changes nine-to-one. The trouble stems from the repeal of the long-standing rule that when property is inherited, the beneficiary receives the property with stepped-up cost basis equal ...
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Health Care Reform Provisions Affecting Older Adults
(General/Articles)
... 2010 (H.R. 4872) if passed by the Senate. Insurance Reform Starting in 2014, insurance companies cannot deny coverage to anyone with preexisting conditions. Long-Term Care H.R. 3590 includes ...
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Retirement Is About Living Longer
(General/Articles)
I am always struck by the number of people (my friends included) who talk about retirement as some "end of life" event that they are just waiting for. People with longevity will tell you they think very ...
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Take Control of College Costs
(General/Articles)
... costs $50,000 a year really worth the price? Could a public college at a fraction of the price still provide a rigorous educational experience along with comparable future career and income opportunities? ...
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Identity Theft 101
(General/Articles)
... card companies and banks as long as you did not contribute to the loss. But that does not reimburse you for your time, legal fees or other expenditures (mailing, notary public, out of pocket costs). ...
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What's Ahead?...Spring and Echo Boomers
(General/Articles)
... a longer-term forecast. Short-term, the preponderance of fundamentals favors buying and investing. Historically low interest rates and discounted prices have converged to push the housing affordability ...
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Estate Planning Mistakes
(General/Articles)
... health care decisions or deciding who gets dad's coin collection. That just leads to fights - you work hard as a parent to have your children get along, why ruin that? This is not an exhaustive list ...
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Is Buy-and-Hold Dead in 2010?
(General/Articles)
... bonds while longer-term needs can be in equities. Thus, as you spend money in retirement, you will need to sell some equities and replenish cash and bonds. This is rebalancing in its simplest form. ...
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When Spending is Really Saving
(General/Articles)
... I recommend that someone needs to recoup their closing costs in three, and at most, four years with the new savings. If you stay in your home for longer than that, refinancing pays off. Other examples ...
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About
(General/About)
... life-long relationships with clients to act as a conduit between having resources and creating a lifestyle. We act independently to serve not corporate but clients' best interests. We accomplish ...
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Important Disclaimer
(General/main)
... DO NOT ALLOW LIMITATIONS ON HOW LONG IMPLIED WARRANTIES LAST, THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES OR THE EXCLUSION OF CERTAIN IMPLIED WARRANTIES, SO THAT THESE DISCLAIMERS ...
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Our Process
(General/About)
... and to see if they like us. In all cases, both parties need to agree to establishing a long-term working relationship, as we will be discussing very personal aspects of their life, their dreams and their ...
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How are you compensated?
(General/FAQ)
... Instead, we primarily offer products in term life insurance, disability insurance and long-term-care insurance. Outside of insurance services we do not take commissions. ...
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Why BGM Wealth
(General/About)
... not pick the “hot" stock. Instead... we tailor an investment portfolio that fits the individual client and only that client. we consult academic research along with historical and statistical ...
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Meet The Team
(General/About)
... a partner in June 1999. Today Jon is President of the Wealth Management firm handling day to day operations, coordination of all client issues, and long-term strategy. As the Investment Manager he is ...