Looking for a Financial Advisor? Do your homework first. The key to choosing a planner is knowing what services they provide and what services you need. You should know exactly what services you are getting, how much they will cost, …
How to Find a Financial Planner
“Neither my spouse nor I know anything about investing. Who do you go to for advice?” Many people learn about financial planning by reading. They cull through the financial pages in newspapers or online and read financial magazines and books. …
Disasters and Emergencies: How to Prepare and How to Respond
Preparing for Emergencies Insurance Check your current homeowner’s or renter’s insurance to see what your policy covers. Most homeowner’s insurance does not cover any damages caused by flooding, but flood insurance is available to defray the cost of potential damages. …
Financial Documents: What to Keep and What to Toss
Keep these financial documents in a box or file cabinet at home: The last 7 years of your tax returns (state and federal) With each year’s tax return, keep: W-2 forms Income statements from your bank and mutual funds (called …
What You Need to Know About the Earned Income Tax Credit
The Earned Income Tax Credit (EITC) is one of the most beneficial tax policies for low-income families. It is a refundable federal income tax credit for individuals and families who work and meet certain requirements. To be eligible for the …
Senior Financial Abuse: Reverse Mortgage Scams
The increasing frequency of reverse mortgages has unfortunately meant that mortgage scams are also on the rise. Preying on fears of financial insecurity, scammers convince the senior that a reverse mortgage is the answer to the senior’s financial problems. In …
Senior Financial Abuse: Power of Attorney Abuse
Granting power of attorney (POA) to someone is a significant step. Having power of attorney over someone means having the right to make legal decisions for that person. Some people can use this power maliciously, causing a senior to lose …
Senior Financial Abuse: Deed Theft and Foreclosure Rescue Scams
Foreclosure rescue scams and deed theft are tricks con artists use to steal property from unsuspecting seniors. Feeding off the fear of losing their homes, many seniors believe these scammers out of desperation and are betrayed by their own trusting …
Checklists for End-of-Life Planning
One of the most important things you can do for the people who mean the most to you is prepare for when you are gone. Having your financial affairs, materials and end-of-life instructions in order will give you all peace …
Financial Planning for the Terminally Ill: Protect Your Wishes and Those Who Care about You
Documents You Will Need One of the most important things you can do for the people who mean the most to you is prepare for after you are gone, as difficult as that process may be. Having your financial affairs …
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