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.


If You Die in Debt, Will Your Heirs Have to Pay Up? Probably.

Several months ago we discovered this insightful article on the website US News. It answered a question we have heard frequently in our client meetings, on our call-in radio programs and at our seminars: “If I die with debts, will my heirs have to pay them off?” Because this question (and the worry behind it) […]

Ten “Forgotten Expenses” That Retirement Plans Frequently Overlook

Here at AgingOptions we always remind our readers and listeners that there’s much more to retirement than finances. However – we’re the first to admit that preserving one’s assets in retirement is extremely important. So how are you doing in planning for your financial future? Do you feel you have all your bases covered? Before […]

A Taxing Story: How Much Does the Average American Pay in Taxes?

$1.454 trillion. That’s the total of all taxes owed by American taxpayers to our friends at the IRS in 2016 (for the 2015 tax year). If you divide that hefty sum by the number of taxpayers, it averages out to a tax rate for the typical taxpayer of about 13.5 percent for each tax return. […]

Don’t Let These 7 Common Myths Keep You from a Reverse Mortgage

Everyone knows that a reverse mortgage can be a powerful financial planning tool for seniors when used under the appropriate circumstances – right? Well, apparently not.  Even with all the publicity over the past few years about how much better today’s reverse mortgages are, and even with a growing chorus of once-skeptical financial planners singing […]

You’re in Charge: Six Ways to Take More Control of Your Retirement

Recently we ran across an article on the “Money” website of US News that we felt might encourage some of our readers and listeners who are uneasy about retirement – especially if, like many, you’re worried giving up a lot of control over your life after you retire. The fact is, as this reassuring article […]

Some UK Seniors Wait a Year for Home Care – Could That Happen Here?

In case you hadn’t noticed, there’s a new administration in Washington, D.C., and the Republican Party is now in firm control not only of the Oval Office but also of both branches of Congress. Because some of the policies now being advocated by the new political leadership – particularly concerning Medicaid – are of special […]

How Should Retirees Cope with Changes Under Trump? Stay the Course

Trying to second-guess what our political leaders are going to do or say has always been a challenge – but seldom have we seen anything like the fireworks of the past 30 days. The change of administration from President Obama to President Trump has brought a new style of communication and a freewheeling flow of […]

Dreaming of a Happy Retirement? Read These 10 Surprising Secrets

Here at AgingOptions we’re always searching for good, solid, practical information about retirement, the kind our clients, readers and radio listeners can use. Unfortunately, we run across a lot of bad retirement advice – which makes it so refreshing when we discover the good kind. The article described below is a case in point. On […]

Reverse Mortgages Can Be Wonderful – but Beware of Scam Artists

It should come as no surprise to friends of AgingOptions that we’re big fans of reverse mortgages – in the right circumstances. Over the past year or more we’ve noted with interest how a growing number of financial experts have begun singing the praises of this once-maligned financial instrument. For some seniors in some situations, […]

There’s a “Family Disconnect” When It Comes to Discussing the Future

Have you and your adult children had a frank and detailed conversation about your estate and your wishes for the future? Do they know about your will and about your desire for leaving a legacy? If we were to ask those questions to an average group of parents, according to this insightful article just published […]
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