Annuities can be a controversial topic among retirement planners, but what about a “Medicaid annuity”? Is that something worth a second look? When it comes to annuities, opinions differ, with some advisors suggest everyone should have an annuity while others insisting that no one should. As is typically the case, the truth lies somewhere in … Read more
The overall divorce rate may be declining, but the rate of so-called “grey divorce” is on the rise – and that can spell trouble for retirees, especially women. That’s the sad conclusion we drew from this recent article in USA Today, written by reporter Daniel de Visé. In some ways, despite what you may have … Read more
When you think of the term “retirement planning,” what comes to mind? For most Americans, financial planning is what comes to mind. In our country, retirement planning is synonymous with financial planning. Don’t believe me? Google the term “retirement planning” and see what comes up. When I Googled the term recently, I got 594 million … Read more
Many people think of “retirement savings” and “life insurance” as two completely separate things – but that’s probably because they’ve never heard of a financial strategy called a life insurance retirement plan. Abbreviated “LIRP,” a life insurance retirement plan can offer a solid combination of benefits: secure savings plus the protection for your loved ones … Read more
For years, you’ve thought about retirement – but what about “unretirement”? For a growing number of retired seniors, unretirement beckons as a cure for boredom and a way to feel useful (not to mention earning more money) after officially retiring. Maybe the idea will appeal to you. During and after the COVID pandemic, millions of … Read more
Maybe someday we’ll be able to write an article here on The Blog that describes how financial scams are actually declining, and how fewer seniors are being victimized by financial scam artists. Sadly, though, that say seems a long way off. In fact, the opposite is true: experts say financial scams today are at a … Read more
Here at AgingOptions, through our partnership with Life Point Law, our staff has helped prepare thousands of estate planning documents. One of the most essential of these is what’s called a financial power of attorney, or FPOA. It’s a document that stipulates who will act as your agent in handling your finances if and when … Read more
It has been a while since we addressed the topic of reverse mortgages here on the AgingOptions Blog. A reverse 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 as … Read more
It doesn’t matter whether a spouse passes away suddenly or after a lingering illness: for most of us, finding ourselves as widows or widowers is the most disorienting experience we will ever face. Because adjusting to this new reality is so difficult, most money tasks for new widows and widowers tend to be put off … Read more
It’s tragic – but not surprising – to read that many seniors are approaching retirement with little or no savings set aside. Ever since the Great Recession of 2008-2010, seniors have faced a challenging job market, made worse by COVID and inflation. Even those who thought their retirement plans were solid have been adversely affected. … 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.
