By now you’ve probably heard the news that your Social Security benefits are going up, effective January 1, 2026. The annual cost-of-living adjustment, referred to as the Social Security COLA, will rise by 2.8 percent, matching what most observers had predicted. Last year’s COLA was 2.5 percent. Since the announcement on October 24th, we’ve seen … Read more
“Neither a borrower nor a lender be,” William Shakespeare wrote in Hamlet. Yet most of us have been both. Sometimes the transaction has turned out fine – borrowed funds are repaid and everyone is satisfied. But at other times, especially when family members are involved, a simple loan can create tension, resentment, and broken relationships. … Read more
According to published statistics, roughly 7 ½ million Americans currently have long-term care insurance policies in force. Yet other data suggests that about 70 percent of Americans will need some form of long-term care at some point in their lives. There’s clearly a major disconnect between preparation and expectation. That’s why our focus this week … Read more
Is a reverse mortgage right for you as a way to cover retirement expenses, including long-term care costs? We’ve asked that question many times here on the Blog, and the answer is always the same: “Maybe.” The fact remains that a reverse mortgage isn’t right for everyone, but it might be an excellent option for … Read more
Long-term care insurance is a topic many Americans apparently don’t want to talk about. It’s a product that costs a lot, year after year. Only a limited number of companies offer it. Plenty of people seem to be gambling that they’ll never need it – yet statistics would suggest otherwise. Moreover, while wealthy Americans can … Read more
Anyone who has ever sailed in open water understands the idea of a safe harbor. When the weather threatens and the sea becomes turbulent, even the largest ships head for the calm, protective waters of a port where they can ride out the storm in safety – a “safe harbor.” In a metaphorical way, a … Read more
Do you hold any digital assets? Before you answer no – assuming you’re not heavily invested in Bitcoin – you might want to reconsider, because you may have more digital assets than you realize. Just about everything you do online can qualify as part of your digital assets. When you’re putting together your estate plan, … Read more
News Bulletin: As this week’s Blog was being prepared for posting, the federal government was shut down due to a funding impasse. This is the first such shutdown since a 35-day closure which lasted from December 22, 2018, to January 25, 2019. One of the chief concerns affecting the majority of our Blog readers involves … Read more
This week our focus on the Blog involves financial planning and the essential role your financial advisor plays in preparing you for retirement. But for this article we’re attempting to answer the question, what good things can happen when a retiree’s financial planner and estate planning attorney actually collaborate? Doesn’t it make sense to have … Read more
When we think about retirement planning, we tend to accentuate the positive. These days, growing older is often portrayed as the “golden years” with one new adventure after another! If we follow that thought process, retirement is like an endless resort vacation. While it’s true that aging can and often does bring times of great … 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.
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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.
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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.
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