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Better Financial Education
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Our focus, to get you to, and through, retirement.
Our focus, to get you to, and through, retirement.

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WOW! The DOW “plunged*” 602.12 points on the 12th of Nov 2018! (at the time I write this) That translates to JUST 2.32% down from the previous market close. So … not so wow after all. Here’s what I mean … you need to begin thinking in terms of…
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You may hear, when markets get “volatile,” that there are more sellers than buyers. Can that even happen? What does that phrase even mean? BTW, you hear it too in any market, including the real estate market.   The article below, “A Question of…
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A crucial part of retirement income planning is helping you estimate health care expenses in retirement, both in the first year of retirement and over a your life expectancy. These costs are notoriously difficult to estimate because they depend on: 1) a…
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Most people believe Medicare covers dental – nope – Medicare does not! Some Medicare Advantage plans do (and some don’t – you need to check). Some retirees may have employer provided dental coverage. Check to see if it will cover things beyond maintenance…
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So you’re the executor/successor trustee of the will/trust of a loved one. What do you do about their remaining credit card debt? Are you personally obligated to pay those from your funds? How do you close all those credit card accounts? What documents…
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Children we love grow up. Many parents with concerns about a struggling adult child are apprehensive about discussing such a sensitive topic. But broaching this subject can lead to a number of benefits for the family and for the adult child. Adult…
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Looming government pension issues at the State and Local levels impact not only current government employees, but retirees and taxpayers alike. Many have seen the National Debt Clock. However, this is only U.S. Treasury debt – which doesn’t include agency…
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Two big areas of confusion among people and advisors are the Windfall Elimination Provision (WEP) and the Government Pension Offset (GPO). Although they are often spoken in the same breath, they are really quite different. The only thing they have in…
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I held onto this to post now, a few years later, to drive home the point of how some thoughts are timeless. 16 Insights That Will Change The Way You Think About Money is just such an example. The bold emphasis is mine to highlight what the article is…
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Two headaches when identity thieves first use your identity to start your Social Security benefits, and then you having to contend with not having reported that income (you never got) to the IRS when Social Security sends the IRS and you the 1099 for that…
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