We have all heard the phrase “a fate worse than death.” When discussing modern retirement planning, a vast majority of Americans now believe that such a reality exists. During this era of widespread middle-class financial insecurity, it is logical that our primary retirement anxiety is not mortality. Instead, the greatest fear for many is insolvency. … Read more
You say you’re thinking of transferring ownership of your home to a family member while you’re still living? That can be an admirable thing to do – provided you take all the tax considerations into account. A poorly planned transfer of ownership can be costly, leaving your loved one with a potentially crippling tax burden. … Read more
Recent data reveals a startling disconnect between how we expect to age and how we are actually preparing for it. While roughly 7.5 million Americans hold long-term care insurance policies, statistics suggest that approximately 70 percent of us will require some level of professional care during our lives. This highlights a critical need to evaluate … Read more
It’s a touchy topic for families: when is it right or wrong to give an unequal inheritance to your heirs in your will? Some would argue that fairness always demands an equal division of assets among your beneficiaries, but is that realistic? Are there scenarios in which an unequal inheritance is the best choice? We … Read more
This week on the Blog, we want to include an aspect of estate planning that is often overlooked: family dynamics. Our question: when family tensions run high, can professional mediation help reduce the temperature? Within any family, there are plenty of potential sources for conflict. Friction can arise when an aging parent needs care but … Read more
This week on the Blog and on our radio program, the focus is on Medicaid. That’s the means-tested program funded by a combination of federal and state dollars that covers a wide range of services, including long-term care for those who qualify. While Medicare tends to get more press, Medicaid fills a critical need that … Read more
Every week at the Blog, we analyze various reports and articles featuring dire predictions regarding the long-term health of Medicare and Medicaid. These updates often leave us asking a critical question: When will our nation’s policy-makers finally come to grips with this mounting crisis? A few months ago, we encountered an insightful 2025 article from … Read more
If long-term care is in your future, you’ll probably consider at some point whether or not to apply for Medicaid. But before Medicaid officials will agree to pay for your future care, the first thing they’ll probably do is to take a look at your past – specifically, the last five years. It’s commonly called … Read more
Have you ever noticed how, when the topic of Medicare and Medicaid come up, many of your friends seem to get a blank expression on their faces? Despite the fact that tens of millions of Americans are directly affected by these two legacy programs, the level of confusion and disinformation among the general public – … Read more
If you imagine retirement as a permanent vacation without financial stress, you likely need a realistic retirement strategy. While some well-off individuals escape financial pressure through luck or preparation, most of us face a different reality. For the majority, retirement is a hard-earned break from the standard workweek, but it does not eliminate the need … 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.
