There is a 1 in 2 chance that you will face what my family experienced…are you aware and prepared?
September 12th, 2011 by schmidtfinancial
All was good! I was enjoying a good career, and with my kids getting older I felt I was in good balance in my life. One morning though, out of the blue I woke up to a new reality that would change my world in a way I had never foreseen. My parents met me [...]
Tags: Medicare
Posted in Asset Management, Blog, Corporate Executive Benefits, Life Insurance Portfolio Management, Long Term Care, Uncategorized, Wealth Transfer Planning |
Looking Back to See the Present
July 25th, 2011 by admin
Looking Back to See the Present With the unemployment rate remaining persistently high, it might be easy to become discouraged over the progress of the economic recovery. But if you are looking for signs of a recovery, the employment situation is the last place to look — literally. Employment is typical of a class of [...]
Tags: economic recovery, Lagging Economic Index, The Conference Board, Unemployment
Posted in Blog, The Economy, Uncategorized |
Protected What May Be Your Most Valuable Asset
July 19th, 2011 by admin
Protecting What May Be Your Most Valuable Asset If you are young and healthy, you might think your chances of becoming disabled are fairly slim. And you wouldn’t be alone in your belief: 64% of workers believe they have only a 2% (or less) risk of suffering a disability that could sideline them for three [...]
Tags: disability income insurance, group plans, Income Protection, Long term disability
Posted in Blog, Uncategorized |
Business owners have more options for sheltering income than ordinary wage earners
July 13th, 2011 by admin
Setting Up Your Own Pension A Gallup poll taken in April 2010 found that 63% of Americans expected their taxes to go up within a year’s time. Perhaps unsurprisingly, the expectation of higher taxes tended to increase with income: 74% of taxpayers with $75,000 or more in household income expected higher taxes within the year.1 [...]
Tags: Business Owner, Retirement Benefit, Retirement Pension, Retirement Strategy, Solo Defined Benefit Plan, tax-advantage
Posted in Blog, Defined Benefit Plan, Retirement Strategies, Uncategorized |
Understanding the Sacrifices of Family Caregivers
July 7th, 2011 by admin
Understanding the Sacrifices of Family Caregivers About 44 million people, roughly 19% of the U.S. adult population, provide unpaid care to someone who is age 50 or older. The average age of caregivers is 50 and the average age of care recipients is 77. Most caregivers assist family members, usually their mothers.1 Although many caregivers [...]
Tags: Caregiving, Family Caregivers, Long-Term Care, Nursing Home, Retirement Needs
Posted in Blog, Cost of Care, Uncategorized, What you can do to prepare yourself and your family, Why People Buy LTC Insurance, Women and LTC |
What a (Tax) Relief: Congress Temporarily Averts Huge Tax Increases
July 1st, 2011 by admin
What a (Tax) Relief: Congress Temporarily Averts Huge Tax Increases After waiting until almost the last minute, Congress averted tax increases that would have affected taxpayers at all income levels and added some 15 million lower-income workers to the tax rolls.1 Had Congress not passed the 2010 Tax Relief Act (H.R. 4853), tax rates for [...]
Tags: AMT relief, Estate Tax, Gift Tax, Itemized deductions, Payroll Tax Cut
Posted in Blog, Gift Tax, Uncategorized, Walls around your estate, Wealth Transfer Planning |
Where Will Your Money Go? Why Reviewing Your Beneficiaries is Important
June 30th, 2011 by admin
Getting to Know Your Beneficiaries Thanks to a popular 2007 motion picture, many Americans now have a “bucket list” — an inventory of accomplishments they hope to achieve in their lifetimes. Although many bucket list endeavors require courage or tenacity, such as traveling to faraway places or writing a book, there’s at least one task [...]
Tags: Beneficiaries, Employer-Sponsored Retirement Plan, Estate Conservation, IRA
Posted in Blog, Life Insurance Portfolio Management, Uncategorized, Walls around your estate, What you can do to prepare yourself and your family |
how-to-make-the-most-of-the-payroll-tax-cut
June 25th, 2011 by admin
How to Make the Most of the Payroll Tax Cut Have you considered what you will do with the extra 2% in take-home pay that you will receive in 2011? The 2010 Tax Relief Act (H.R. 4853) not only extended the expiration dates of many current tax rates but also reduced the Social Security payroll [...]
Posted in Blog, Uncategorized |
Consider the Risks of Relying on Social Network
June 21st, 2011 by
Consider the Risks of Relying on Social Security The 58 million Americans who currently receive Social Security benefits will not receive a cost-of-living adjustment (COLA) in 2011. This is the second consecutive year in which payments were frozen because the Consumer Price Index measured little or no inflation.1 Although the decision to freeze benefits in [...]
Posted in Blog, Uncategorized |
new-rules-are-in-the-cards
June 19th, 2011 by admin
New Rules Are in the Cards In 2010, the federal government issued a dizzying array of rules and reforms affecting the plastic you carry in your wallet. In case you had trouble keeping track, here are some of the important developments. Credit cards: Under the Credit Card Accountability, Responsibility and Disclosure Act of 2009, consumers [...]
Posted in Blog, Uncategorized |
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