AgingOptions Life Plan: Finance

“Will I have enough assets in order to not run out of money before I run out of life?” is top of mind for all of us in the final third of our lives.

In answering this, preservation, positioning and passing of accumulated wealth goes beyond traditional estate planning. It calls for all affected family members to be

participants in a model that integrates health, housing and elder law considerations.


Are You Ready to Retire? This Checklist May Provide Some Answers

If you’re like most people over 50, you’ve probably been thinking about retirement for years When will I retire Will I be able to afford it How will I know when the time is right And what will “retirement” look like and feel like At AgingOptions, helping people answer questions like these – and, most

Workers Continue to Neglect Contributions to 401(k) Accounts

It’s hardly big news anymore to report that American workers aren’t doing a very good job of saving for retirement But just how big a problem this represents hasn’t been carefully studied, until a new analysis done earlier in 2017 which showed that the problem of “401(k) neglect” is even worse than previously thought That’s

Estate Tax Valuation Rules Proposed Last Year Seem Ripe for Repeal

The firestorm broke just one year ago In the final months of the outgoing Obama Administration, Treasury Department officials proposed new rules that would have drastically affected the process of transferring a family business to heirs on the death of the business owner The proposed rules would have significantly increased the estate tax burden on

Hoping for a Phased Retirement? You May Not Have the Option

As today’s baby boomers enter their retirement years, a large number say they are hoping and planning for a “phased retirement” Gone are the days when an employee hung up their tool belt or put aside the briefcase on their 65th or 66th birthday and simply called it quits These days the plan for millions

Are the Feds Reducing Reverse Mortgage Spousal Protection?

If you pass away with a reverse mortgage in place, is your spouse protected – even if he or she never signed the original loan documents There was a time, until about two years ago, when the answer to that question was unclear, and reverse mortgages could sometimes leave surviving spouses in a tough bind,

Cost of Caregiving Can Hit “Like a Tsunami,” says Recent AARP Report

As anyone knows who has served the needs of an infirm loved one, being a caregiver exacts a heavy emotional toll Not only must the caregiver deal with the pain of watching a loved one in decline, but he or she must keep up their own strength for the day in, day out physical exertion

Sales of Multi-generational Homes is on the Rise Nationwide

A little over a year ago, The New York Times published an interesting article about a trend in home design that we found encouraging when we encountered it: new homes specifically designed for multi-generational living While this kind of lifestyle isn’t for everyone, the appeal definitely appears to be on the rise We thought we

If You Don’t Plan Ahead, These 4 Tax Penalties Could Cost You Plenty

Because we at AgingOptions work in the arena of retirement every day, we sometimes assume that there are certain basic facts about retirement that everybody knows But the truth is that millions of people approach retirement woefully uninformed, and for that reason they tend to make costly mistakes that can play havoc with their finances

Want to Help Your Grand-kids with College Costs? Better Be Strategic!

Helping out your grandchildren with costs of higher education may be a worthwhile thing to do – if you can afford it, that is, without damaging your own retirement security But if you do decide to offer financial aid, you need to be strategic, or your generosity could end up making matters worse That’s the

Does Your Resume Give Away Your Age? Avoid These Ten Mistakes

The Great Recession that plunged the nation into economic uncertainty in 2008 supposedly ended several years ago, yet many older workers have never recovered the employment status they once enjoyed It’s no secret that older workers find it tougher to land well-paying jobs these days In fact, in a recent study conducted by the Federal
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