INHERITING A HOUSE WITH A REVERSE MORTGAGE: WHAT YOU NEED TO KNOW
Reverse mortgages have become a popular way for elderly homeowners to tap into their home equity. However, when the homeowner passes away, their heirs are often left wondering …
Why You Need a Revocable Living Trust in California
A revocable living trust can help you avoid probate, protect your privacy, and plan for incapacity.
What is a revocable living trust?
- A revocable living trust is a legal arrangement that allows you to transfer your assets to a trust
Securing Your Legacy: Why Avoiding Probate is Essential
Planning for the future involves more than just envisioning your legacy; it requires concrete steps to ensure that your assets are protected and distributed according to your wishes. While it’s not a pleasant topic to dwell on, understanding the implications …
I just bought a vacation home. Do I need to purchase a specific type of insurance?
I just bought a vacation home. Do I need to purchase a specific type of insurance?
Insuring a vacation home is different from insuring a primary residence. As a result, you’ll want to purchase insurance that is specifically geared to …
I already have health insurance. Will I have to change my plan because of the new health-care reform law?
I already have health insurance. Will I have to change my plan because of the new health-care reform law?
For the most part, no. The Patient Protection and Affordable Care Act (ACA) does not require you to change insurance plans, …
Coordinating Social Security Benefits with Other Retirement Assets
Coordinating Social Security Benefits with Other Retirement Assets
Social Security provides retirement income you can’t outlive. And, in addition to your own benefit, your spouse may be eligible to receive benefits based on your earnings record in the form of …
Portability of Applicable Exclusion Amount between Spouses
Portability of Applicable Exclusion Amount between Spouses
Transfers of property during life or at death are generally subject to federal gift or estate taxes. However, each taxpayer has an amount of property that can be sheltered from federal gift and …
Ask the Experts: Can my self-directed IRA invest in real estate?
Ask the Experts: Can my self-directed IRA invest in real estate?
Yes. Your IRA can invest in virtually any form of real estate. That includes direct ownership in property as well as indirect ownership through limited partnership interests, REITs, and …
Ask the Experts: What’s a self-directed IRA?
Ask the Experts: What’s a self-directed IRA?
A self-directed IRA isn’t a different type of IRA. Rather, the term refers to any individual retirement account (traditional or Roth) that gives you more investment control by allowing you to direct your …
Combining Term and Permanent Life Insurance
Combining Term and Permanent Life Insurance
There are two basic types of life insurance: Term and permanent. Term life insurance provides temporary insurance coverage for a specific term. There is no cash value in the policy, and the policy’s death …
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