Manpreet Sehmi 
If there’s one aspect of retirement that seems to be a constantly-moving target, it’s the topic of RMDs – required minimum distributions. The RMD is Uncle Sam’s way of forcing retirees to start pulling dollars out of those tax-deferred retirement accounts like the 401(k) and 403(b) accounts offered by many employers. The amount of money … Read more
It has been a while since we addressed the topic of reverse mortgages here on the AgingOptions Blog. This type of mortgage, also called an “HECM” (which stands for home equity conversion mortgage), can be a potential game-changer for retirees who need a steady flow of tax-free income. But there are downsides to reverse mortgages … Read more
Here on the AgingOptions Blog, we write frequently about the joys and challenges of caring for an aging loved one. That’s because millions of us are already caught up in the work of caregiving, either as one who gives care or one who receives it. The odds are high that, if the trials of caregiving … Read more
We’ve been hearing the dire predictions for years now: Baby Boomers are heading for a looming cliff, usually referred to as a retirement crisis. With the oldest boomers now hitting 75 and the trailing edge within a few years of age 60, this huge cohort is supposedly reaching retirement age en masse at the rate … Read more
Among the lessons learned during the COVID pandemic – too often learned the hard way – is the imperative to prepare ourselves for the unexpected. Three years ago, few people could have predicted the upheaval triggered by lockdowns, illness, and, tragically, premature death. In this 2022 article from the Kiplinger financial website, financial planner Ron Brown urges that we … Read more
It may be hard to recall that, in the memory of many Americans, the COVID pandemic seemed to begin in a Kirkland, Washington, nursing home. In early 2020, news reports began circulating about the coronavirus causing devastating illness and death among the vulnerable population in America’s long-term care facilities, beginning here in the Pacific Northwest. … Read more
Retirement is typically pictured as a sort of idyllic existence. After decades of the daily grind, you finally put down the briefcase or the tool belt and pick up the golf clubs, tennis racket, and sun screen for years of carefree bliss. Well…that might be the situation for some. But if you’re a regular reader … Read more
The topic of aging in place is on just about everyone’s mind these days, and for good reason. For most retirees, living out their “golden years” in the home they know and love seems to be the best choice, in terms of finances and health. While aging in place isn’t right for everybody, it’s the … Read more
According to a 2020 study by Pew Research, Americans age 60 and older are far more likely than their worldwide counterparts to live alone. In the U.S., 27 percent of people 60 and older are living solo, compared with an average of just 16 percent worldwide. Based on Census data, that’s almost 14 million seniors. … Read more
Every few weeks or so here at AgingOptions, we come across articles that promise to reveal the True Secrets of Retirement Success. This one, which we just found a few weeks ago at MarketWatch, is no exception. According to MarketWatch contributor Mark Hulbert, the single most important thing you can do to ensure retirement success … Read more
Will your plan for retirement lead to disaster if your health fails? Will you end up forced into institutional care, go broke paying for care, or become a burden on your family?
For millions of Americans, the answer is yes. This video explains why retirement turns into a nightmare for so many people and how completing this course can keep these nightmares from happening to you.
Save $4 when you buy the Master Your Future Bundle. Includes the first edition of the Master Your Future LifePlanning Workbook, which offers step-by-step guidance to create your LifePlan for retirement, and the Master Your Future Program DVD, the groundbreaking public television special that offers a stark lesson in the dismal state of retirement planning in America--and what to do about it.
Create your LifePlan for retirement in a live online classroom setting led by elder law attorney Rajiv Nagaich or another experienced LifePlanner. Includes five two-hour sessions, plus access to AgingOptions Academy, a one-year membership to AgingOptions Portal, a Master Your Future LifePlanning Workbook, a one-on-one session to review your LifePlan Blueprint, and access to exclusive offers on legal documents, facilitated family meetings, and more.
Since the AgingOptions Radio Show first began airing in the Pacific Northwest in 2006, elder law attorney Rajiv Nagaich has been helping people answer some of life’s toughest questions. In this comprehensive anthology, drawn from thousands of hours of AgingOptions Radio Show broadcasts, listen to Rajiv Nagaich answer callers’ questions about retirement planning. His answers are packed with important nuggets of information that will help you create your own LifePlan for retirement. It’s a recording you’ll want to listen to again and again.
Elder law attorney Rajiv Nagaich is known as much for his riveting presentation style as he is for his sage advice. Audiences everywhere love hearing Rajivisms, those bursts of powerful retirement planning wisdom delivered with unexpected wit that often make you laugh out loud. This DVD collection of Rajivisms is loaded with actionable advice you can use right now to make your retirement plan better.
As an elder law attorney, Rajiv Nagaich has spent more than two decades helping older adults and their family caregivers cope with retirement plan failure. Despite doing exactly what their trusted advisors had told them to do—enrolling in Medicare, saving plenty of money, buying long-term care insurance, and creating an estate plan—Rajiv's clients found themselves forced into institutional care, assets lost to unplanned care costs, and a burden to their families. In Your Retirement: Dream or Disaster, you will learn the shocking truth about why this happens—and what you can do to avoid it. This book is a must read if you want to avoid the hidden traps in retirement planning advice that turn life into a living nightmare for 70% of Americans.
What does it take to avoid the nursing home, avoid going broke and avoid burdening your family during your retirement years? That’s the question elder law attorney Rajiv Nagaich answers in Master Your Future, the groundbreaking program that has aired more than 1,500 times on public television stations nationwide. The Master Your Future Program DVD is a great a way to watch (and rewatch) Rajiv’s shocking revelations and piercing insights about the state of retirement planning in America. Drawing on his own family’s experience and that of thousands of clients during his 20+ years as an elder law attorney, Rajiv explains why traditional approaches fall short and shows how this failure results in 70% of American retirees being forced into institutional care. Rajiv then offers a surprisingly simple solution to create the retirement of your dreams.
The Master Your Future LifePlanning Workbook guides you through the process of planning for your later years so you can live out your years with more confidence. Examine your readiness for retirement, get practical solutions to threats and challenges that come with aging, and follow a step-by-step action plan to build a LifePlan Blueprint that will deliver secure, predictable outcomes. The Master Your Future LifePlanning Workbook includes 200 pages of exceptional content, detailed information that helps you weigh your options, decision worksheets to create your personal Blueprint, and guidance for selecting and working with professional advisors.
