Planning for Special Circumstances

Does Your Insurance Policy Name Your Ex-Spouse As a Beneficiary?

Suppose you have a life insurance policy issued as part of an employee benefit plan which identifies your spouse as your primary beneficiary and your adult daughter as the contingent beneficiary. Years down the road, your marriage falls apart and you get a divorce. Your divorce decree provides that your ex-spouse is divested of allRead More

Five Reasons Why Parents of Young Children Need Estate Planning

If you are a parent of young children, getting your estate plans in order can help you ensure that your minor children will be protected in the event the unthinkable happens. Estate planning is critically important for parents with minor children because: It allows you to select a guardian for your children in the eventRead More

Estate Planning for For College Students

Eighteen years ago, as I strolled through Babies”R”Us with my newborn baby propped on my shoulder, a middle-aged woman walked up to me and said: “Enjoy every minute. It doesn’t last long.” She was right! In what seems like a blink of an eye, my oldest son turned eighteen this week! It’s bittersweet. Seeing the amazingRead More

The Risks of Living in Denial of Early Azheimer’s Symptoms

Last week, I discussed the ten warning signs of Alzheimer’s disease and the fact that because symptoms progress slowly, many family members live in denial until an event happens that is so uncharacteristic or bizarre that the symptoms become undeniable. However, denial of these early symptoms is risky. The longer symptoms go untreated, the lessRead More

What Are the Warning Signs of Alzheimer’s Disease?

The symptoms of Alzheimer’s and dementia can develop slowly over a number of years, which sometimes makes it easy to mistake them for normal, age-related cognitive decline instead of the result of a more serious problem. Because the symptoms progress slowly, it’s easy for loved one’s to deny they even exist until an event happensRead More

Planning for the Unexpected

I went on a trip last month without knowing where I was going. My husband wanted to plan a surprise vacation for the family to celebrate his 50th birthday, so he kept our itinerary a secret. The secret itinerary was very unsettling for me because I am a planner. It was difficult to figure outRead More