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life planning

I'm transitioning out of the military. How do I search for a job?

January 21, 2016
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Answer: The transition from the military to a civilian job can be difficult. Fortunately, you can follow a few key steps to make the process as smooth as possible and help find a job that’s financially and professionally rewarding. At the beginning of your search, you’ll want to reach out to your local Transition Assistance…

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Should my partner and I buy a house together even though we're not married?

January 20, 2016
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Answer: If you want to buy a home with your partner, go ahead. Together, you may be able to qualify for a larger mortgage than if one partner alone applied for the loan. However, be aware that unmarried partners have some unique considerations that married couples don’t have. The laws dealing with the distribution of…

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Coordinating Long-Term Care Insurance with Government Benefits

January 18, 2016
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If you’re a senior, the future may present more of a concern than it once did–you may wonder what you’ll do if your health deteriorates. If you must enter a nursing home, for example, how will you pay for it? Fortunately, you may have several options. One such option is long-term care insurance (LTCI). Government-regulated…

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Medicaid and Nursing Home Care

January 15, 2016
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As you enter your 60s and 70s, health may become more of an issue than it once was, and your thoughts may turn to the future. Who will take care of you when you can no longer care for yourself? If you must enter a nursing home, how will you pay for it? By learning…

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Conducting a Home Inventory

January 12, 2016
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A home inventory is a complete and detailed written list of all your personal property that’s located in your home and stored in other structures like garages and toolsheds. It should include your possessions as well as those of family members and others living in your home. You should prepare an inventory whenever you move…

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Women and Estate Planning Basics

December 31, 2015

When it comes to estate planning, women have unique concerns. The fact is that women live an average of 4.8 years longer than men.* That’s important because it means that there’s a greater chance that you’ll need your assets to last for a longer period of time and a greater need to plan for incapacity.…

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Cash Value Life Insurance

December 7, 2015

Cash value, or permanent, life insurance is life insurance that is designed to be kept until your death–whenever that may be. Part of your premium pays for the “pure” insurance coverage and expenses, and the balance is held by the insurance company in a cash value account. The type of permanent life insurance you buy…

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Should You Pay Off Your Mortgage or Invest?

December 4, 2015
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Owning a home outright is a dream that many Americans share. Having a mortgage can be a huge burden, and paying it off may be the first item on your financial to-do list. But competing with the desire to own your home free and clear is your need to invest for retirement, your child’s college…

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Saving for College

October 9, 2015

There’s no denying the benefits of a college education: the ability to compete in today’s competitive job market, increased earning power, and expanded horizons. But these advantages come at a price–college is expensive. And yet, year after year, thousands of students graduate from college. So, how do they do it? Many families finance a college…

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Understanding Social Security

October 5, 2015

Over 63 million people today receive some form of Social Security benefits. (Source: Fast Facts & Figures About Social Security, 2014) But Social Security is more than just a retirement program. Its scope has expanded to include other benefits as well, such as disability, family, and survivor’s benefits. How does Social Security work? The Social…

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