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• Choosing and Working with an Attorney Specializing in Elder Law
  Elder law refers to an area of legal practice covering issues related to older people; attorneys practicing elder law typically specialize in a variety of services including, but not limited to: Disability planning Estate planning Supplemental and long-term care insurance issues Medicaid planning Me
• Planning the Funeral
  One of the first things you'll be confronted with after receiving the tragic news of your husband's death is planning his funeral. It's hard to have to deal with something as complicated and as full of decisions as a funeral when you feel like your world has just fallen apart.. One of the first things y
• Estate Planning
  Having recently lost your spouse, no one is in a better position than you to talk with your parents about estate planning. Ask them if they have a will.. Having recently lost your spouse, no one is in a better position than you to talk with your parents about estate planning. As
• What do CPA, PFA, and other accreditations mean?
  Help! I don't know what CPA, PFA, CFP and all those professional accreditations stand for. It can be a little daunting to see so many professional accreditations.. Help! I don't know what CPA, PFA, CFP and all those professional accreditat
• Planning Ahead for Yourself & Your Kids
  Now more than ever you want to secure your children’s financial future. But with all the demands on you like caring for yourself, caring for your children and any other dependents like aging parents, planning for your retirement, and everyday needs, planning ahead can seem next to impossible..
• Preserving Money for Your Kids
  There are several ways that you can preserve the money you've saved for your kids. By planning ahead now you can avoid your children losing what you want to pass on to them through probate (the court process of settling your estate). at you can preserve the money you've saved for your kids. By planning ahead
• Retirement Planning
  Life has thrown you some unexpected curves. You know, better than most people, that the future is uncertain at best.. Life has thrown you some unexpected curves. You know, better than most people, that the future is uncertain at best. Even though it's hard enough to take care of your family's
• Losing Your Spouse
  Unexpectedly losing a spouse is one of the most stressful times in anyone's life. In this terribly difficult time, you feel like your security has disappeared in an instant.. Unexpectedly losing a spouse is one of the most stressful times in anyone's life. In this terribly difficult time, you feel l
• Can I check the background of my advisor?
  How can I check on the background and trustworthiness of the person or firm I'm using to handle my finances? Before you sign any papers or give someone any money to invest on your behalf, it's very wise to check on their background. You want to make sure that he/she has a spotless…following is a lis
• Rebuilding & Going Forward
  Recovering from your spouse's death is a process. In addition to the emotional toll, you're also facing issues that will have a big impact on you and your family, like a sudden change in your financial picture.. Recovering from your spouse's death is a process. In addition to the emotio
• Retirement Planning
  Life has thrown you some unexpected curves. You know, better than most people, that the future is uncertain at best.. unexpected curves. You know, better than most people, that the future is uncertain at best. Whether you are still able to work or if you are facing retirement sooner than you had expected, it's import
• Financial Planning
  Financial Planning Accounting for how much money you coming in on a regular basis (income) and how much money you have already saved and invested; and then identifying long-term financial goals (i.e.. Financial Planning : Accounting for how much money
• Estate-planning
  Estate-planning is the process of determining you who will inherit your possessions after your death. Whether you have a spouse and/or dependents you should still create a will so that your assets and possessions are distributed exactly the way you wish after your death.. Estate-planning is the pr
• Legal Care and Estate Planning
  As your loved one ages there may be numerous reasons that she requires the assistance of a lawyer such as drafting a will, creating advance medical directives, appealing insurance claim or government benefit denials, obtaining consumer protection, and more. This section outlines what you should know
• Taking the Fear Out of Financial Planning
  Handling money matters is intimidating for a lot of people. If you've suffered an unexpected loss such as the death of a spouse or the loss of a job, you may be overwhelmed and fearful at the thought of facing your finances.. Handling money matters is intimidating for a lot of people. If you've suffe
• Future Financial Planning
  Having a disability doesn’t change your need to plan ahead for yourself and your family financially. You or a loved one with a disability may now have increased expenses, decreased income or a combination of both.. Having a disability doesn’t change your need to plan ahead for yourself and
• After You Have Found a New Job
  Once you've found a new job, this is over, right? Not exactly. Your best bet is to realize that over the course of your lifetime you'll need to manage your career.. Once you've found a new job, this is over, right? Not exactly. Your best bet is to realize that over the course of your lifet
• First Things First: Stop, Ask and Think.
  As tempting as it can be to look at your windfall number and consider everything that you can now do – or buy - that you couldn’t before, stop. First, ask yourself some very important questions: Exactly how much money are you looking at? While any amount of unexpected money is nice, getting a 3,000
• Recovering From Bankruptcy and Re-Establishing Your Credit
  If you have filed for bankruptcy you have been through a very stressful, and probably humiliating, time in your life. It can be traumatizing to realize that you have hit rock bottom financially and you may feel panicked or shaky about what this means for your future.. If you have filed for ban
• Managing the Transition to a New Job
  Looking for work is an intimidating process for most people. Looking for work when you¹ve just suddenly lost a job can seem even harder.. Looking for work is an intimidating process for most people. Looking for work when you¹ve just suddenly lost a job can seem even harder. But in some w
• How do I become an investor?
  Congratulations. It takes personal discipline and planning to save money.. personal discipline and planning to save money. The fact that you've already saved some money indicates that you're taking responsibility for your financial future. Before you jump into "investing" it's important to know wha
• Manage Your Money
  Suddenly losing your income means you'll have to take stock of your current financial situation and make some changes. It's important to remember that finding a new job takes time - time that you won't be drawing an income.. me means you'll have to take stock of your current financial situation and
• IRAs (Individual Retirement Accounts)
  There are actually 3 types of IRAs - a traditional deductible IRA, a traditional nondeductible IRA, and a Roth IRA. Traditional Deductible IRA - Anyone age 49 or younger who earns up to 32,000 and does not have a company 401(k) plan can invest up to 5,000 annually as a tax-deferred investment (mea
• Disability Checklist Tool
  Dealing with either a short-term or long-term disability can be overwhelming. We developed this checklist as a tool to help you evaluate your current resources and needs and to identify other, potential benefits you could be taking advantage of to help yourself (or your loved one) and family..
• Time to Branch Out On Your Own?
  Losing your job presents you with the gift of possibility. It doesn't seem like a gift to lose a job, but maybe because it's so unexpected, it's the only way you would ever consider doing something totally different.. Losing your job presents you with the gift of possibility. It doesn't seem
• If Your Spouse Did Not Have a Will
  If your spouse died without leaving a will, the state will appoint an administrator, usually a lawyer, to determine who receives your spouse's belongings. You'll need to pay the lawyer out of your spouse's estate.. If your spouse died without leaving a will, the state will appoint an admin
• Preparing for an Emergency
  Contemplating a possible emergency such as a natural or man-made disaster can seem difficult, but having a disability can present additional challenges. Prepare yourself or your loved one for a potential emergency by: Packing an emergency kit with adequate medication or equipment that you would need
• Will I have enough for college and retirement?
  I'm worried about having enough for college and retirement - who can help me? The good news is that there are several online calculators you can use to figure out approximately how much money you'll need to put your kids through school or fund your retirement. Once you've gotten an approximate idea
• What Caregivers Do
  Caregiving is providing assistance – physical, emotional, and medical support - to someone who is ill, disabled, elderly or needs help with daily activities. You may have legal guardianship and complete physical responsibility for your loved one’s care or you may provide assistance within one of six
• Preparing for an Emergency
  Contemplating a possible emergency such as a natural or man-made disaster can seem difficult, but having a disability can present additional challenges. Prepare yourself or your loved one for a potential emergency by: Packing an emergency kit with adequate medication or equipment that you would need
• Using a Funeral Home
  Although it's not required, most people use a local funeral home or mortuary to handle the funeral planning process. The most important thing when choosing a funeral home is that you feel comfortable with the staff and services provided.. Although it's not required, most people use a loca
• Budgeting and Meeting with a Financial Professional
  If you were the executor of your husband's will and you've settled his estate, your financial picture should be getting clearer. Reworking your family's budget will help you gain confidence in planning for your future.. If you were the executor of your husband's will and you've settled his esta
• Glossary of Terms
  4401(k) Plan A. 4 401(k) Plan A Accountan
• Death certificate
  Death certificate An official, confidential and legal form certifying that someone has died. Information on the certificate includes name of the deceased, date, time and cause of their death.. Death certificate : An official, confidential and legal form certifying tha
• Do I need professional help
  How do I know if I need professional help and what kind of help I need? Once you have a grasp on your basic financial picture, you may decide to look for some outside help in managing your finances or making decisions involving your finances. To find the right financial professional, it's important
• Analyzing Expenses
  The average family spends nearly 75% of its income on fixed monthly costs such as rent/ mortgage, utilities, car payments, and insurance. Now think ahead to when your divorce is finalized.. The average family spends nearly 75% of its income on fixed monthly costs such as rent/ mortgage, uti
• Expand Your Skillset
  Consider your temporary unemployment as an opportunity to improve your skills and gain experience in areas where you may otherwise be weak. This may be a good time to finish your degree, go to trade school to earn a certificate in your field of specialty, or apply to graduate school to complete a hi
• Preserving Money for Your Dependents
  If you have children and/ or dependents (people who depend on you for financial provision) it’s wise to think about how to best preserve the money you have saved. There are several ways that you can preserve the money you've saved for your kids.. If you have children and/ or dependents (people who
• Medicaid
  Medicaid is a federal-state program that provides free basic health and long-term medical care to children and adults with low income and limited resources. Each state sets its own eligibility rules and guidelines.. Medicaid is a federal-state program that provides free basic health and lon
• Obtaining Forms of Legal Authority
  In order to ensure that your loved one’s wishes are honored and/or that you are best advocate on her behalf it may become necessary to create various forms of legal authority. Work with an attorney who specializes in estate-planning or elder law to draw these documents up.. In order to ensure that y
• Working with other Health Professionals and Medical Staff
  In addition to a primary care physician and specialists you may need to work with other health professionals such as: Dental Care – a general D.D.. In addition to a primary care physician and specialists you may need to wor
• What to do before meeting a professional
  The most important thing to do is know why you're going. Do you need help organizing your finances? Do you want to draw up a new will or modify an existing one? Do you need help settling your spouse's estate? Do you want to invest some money? Knowing why you're meeting with someone will help determi
• Preparing or Changing a Will
  If you already have a will, you'll need to update it by changing your beneficiaries and adding or dropping any assets that you previously held with your spouse that have been distributed now that the divorce settlement has been finalized. Note that if you die without considering and/or changing bene
• Caring for Aging Parents and Other Dependents
  It’s not headline news that women are the caregivers in most homes. Women, even women who work outside the home, are principally responsible for caring for their children.. It’s not headline news that women are the caregivers in most homes. Women, even women who work outside the home, are principa
• Life Insurance
  Life insurance often provides widows with their single biggest financial benefit. It can make a huge difference in your immediate and long-term well-being.. Life insurance often provides widows with their single biggest financial benefit. It can make a huge difference in your immed
• Saving for College
  You and your husband may have already thought ahead about how to pay for your child's college education. If so, set some time aside to review that plan and determine if it's still realistic now that you're supporting your family on one income.. have already thought ahead about how to pay for your child's college educat
• 5 Great Choices for Windfall Funds
  No matter what your current financial situation is, there are five great categories of choices that you can make with your windfall funds. Pay off debt.. No matter what your current financial situation is, there are five great categories of choices that
• When Finances Are Tight: Creating and Managing New Income
  Divorce creates a new financial reality for both spouses. Unfortunately, divorce typically lowers a woman’s standard of living by reducing income and increasing expenses, particularly if she is now a single parent.. Divorce creates a new financial reality for both spouses. Unfortunately
• What do I ask a professional the first time?
  If I decide to use a professional financial advisor, what questions should I ask when I meet with him/her for the first time? Good for you. You want to be well-prepared for meeting with a potential financial advisor.. If I decide to use a prof
• Getting Professional Help
  If you’re at a point where you are having credit card problems, facing staggering debt, are receiving overdue notices, or getting calls from collection agencies you may feel scared. If you’re overwhelmed, can’t figure out how you are going to get out of this, or just feel like you could use someone