If you died tomorrow, can you guarantee the financial security of your surviving dependents? For those currently in the asset accumulation stage of life, the untimely death of an income earner can have significant financial impact on the family. And while there are no guarantees in life, Term Life Insurance is an effective tool to help … Continued
“The secret of success is constancy of purpose.” – Benjamin Disraeli As a new parent, I am routinely reminded that patience and rational decision making, combined with preparation for a variety of outcomes, are critical ingredients in creating a palatable recipe for all involved. On a recent family road trip, my husband and I packed … Continued
For Sand Hill’s annual Forum event in January, our featured speaker was Frank Abagnale, the acclaimed subject of the best-selling book, Tony Award-winning Broadway play, and Steven Spielberg directed film “Catch Me If You Can.” Frank is one of the world’s most highly regarded authorities on forgery, embezzlement, identity theft and fraud. His rare blend … Continued
John F. Kennedy once said, “Let us never negotiate out of fear. But let us never fear to negotiate.” For those going through the dissolution of a marriage, the quote highlights an important principle that can help navigate the process of divorce. While this article is focused on the financial side, we realize that … Continued
“Travel: It’s the only thing you can spend money on that will make you richer.” Anonymous Whether you’re planning that really special splurge-worthy trip or considering private jet travel as a new mode of regular business travel, a surprisingly wide range of options is now available to the modern air traveler. Due to the proliferation … Continued
Over the last seven years, many investors have been hard pressed to find a single investment option with a relatively safe and consistent return. The long running backdrop of low interest rates, the real estate market slide of 2007, and Great Recession of 2009 have left conservative investors anxious for certainty and security. The … Continued
In planning for the event of your passing, you’ve thoughtfully established a living trust, generously gifted to family members along the way, invested wisely, and intend to leave a sizable estate for your heirs. Included in your financial planning has been the purchase of a life insurance policy to provide replacement income at your death. … Continued
One of the biggest challenges facing retirees is the rising cost of healthcare and how they’ll pay for it. Medicare, the country’s health insurance plan for Americans age 65 and older, helps to make health care affordable; however, the enrollment process and decisions of when and how to file can be complicated and stressful. If … Continued
While it is commonplace for our clients to craft thorough estate plans and trusts with focus on attorneys and legal documents, the follow up process of engaging and educating the successor generation is often overlooked. By actively discussing your intentions with family members or an executor tasked with settling your estate, you can gain significant … Continued
Risk management is an important component of overall financial planning, and various forms of insurance exist to help mitigate exposures. In addition to the familiar insurance for homeowners and comprehensive and collision on autos, personal liability insurance provides an additional layer of financial protection against the risk of causing bodily injury or property damage, such … Continued