Archive - 2016

1
Reverse Mortgages Require a Close Look
2
Six Creative Beneficiary Designation Ideas
3
What does your risk profile really say about you?
4
Estate Planning: Keeping the Peace Among Your Heirs, pt. 1
5
REITs: Most Investors Don’t Own This Top Performer

Reverse Mortgages Require a Close Look

reverse mortgageFor many folks in their retirement years, home equity can be a substantial part of your overall net worth. According to recent figures, the equity in your home can amount to roughly 30-40 percent of your net worth, if you’re in the majority. If you and your spouse are both at least 62 years of age and have significant equity in your home, a reverse mortgage can turn that equity into tax-free cash without forcing you to move or make a monthly payment.

If it’s right for you, a reverse mortgage can be a worthwhile financial tool. If not, you …

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Six Creative Beneficiary Designation Ideas

The majority of beneficiary designations are straightforward. Spouses leave retirement accounts primarily to each other and contingently divided among their children. If their children have not yet reached the age of majority, a trust may be involved.

For many, these simple and common beneficiary designations are the perfect fit for their wishes. For others, they want something more but haven’t yet thought of it. Here are 6 beneficiary designation ideas to inspire your estate planning creativity.

1. Use per stirpes to include your children’s families.

If you set your contingent beneficiary designations to divide your estate between your children, you …

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What does your risk profile really say about you?

Imagine a day when one of your stock investments falls 35 percent in a matter of minutes. If you think that’s unlikely or impossible, just consider what happened on August 24, 2015, when some exchange-traded funds (ETFs) declined at least that much just after the opening bell of trading.

What would your reaction be if you owned one of these ETFs in your portfolio? Would you…

  1. Sell and move into a money market fund?
  2. Stay cool and hold on to your investment?
  3. Take the opportunity to buy more shares at a discounted price?

There’s no right answer to this question. …

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Estate Planning: Keeping the Peace Among Your Heirs, pt. 1

Head Off Squabbles Among Your Heirs,” Kiplinger offers estate planning advice for those who are concerned not only with leaving something for their heirs but also with preventing tensions over the distribution of these assets. Keep in mind that you are within your rights to divide your assets as you wish but be aware that your choices may affect your heirs for years to come.

Equality isn’t enough: Parents who think the simplest thing they can do is to divide their money among their heirs equally may not realize that this can still lead to tension. A child …

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REITs: Most Investors Don’t Own This Top Performer

Investors realize that the markets’ performance over the past year wasn’t anything to write home about. But there was one “jewel” of an asset class over the past year ending September 30, 2015. Unfortunately, most investor did not own it. Below are the past year’s returns for some of the major asset classes. REITs: Most […]

The post REITs: Most Investors Don’t Own This Top Performer appeared first on Chamberlain Financial Planning & Wealth Management.…

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