Heidi Heffron-Clark’s father passed away at the age of 52. After his death, his wife rolled his IRA into her IRA. Then in 2001, Heidi’s mother also passed away after she had named Heidi her sole beneficiary for the IRA. Heidi transferred the IRA into an inherited IRA and began taking monthly distributions. After Heidi’s … Read more
They say variety is the spice of life but the average Medicare beneficiary must choose between 18 private Medicare Advantage plans and 35 stand-alone Part D drug plan options. The point of all those options is to make it possible to make choices that will allow you to have the best coverage for your situation. … Read more
Do you have a parent that won’t let go of the car keys? Are you worried about how safe you are to drive but don’t want to lose your independence? The range of attitudes about driving go from handing over the keys without a fuss to declaring that you’ll get the keys when you pry … Read more
While the vast majority of older Americans want to continue living in their own homes as they age, many will end up moving into senior living communities. A recent National Aging in Place Council (NAIPC) meeting in Washington D.C. addressed ways to avoid making that transition. Technology: webcams, Skype and other monitoring devices can greatly … Read more
According to a 2004 research paper released by the National Bureau of Economic Research (NBER), economic theory would suggest that individuals would purchase Long-Term Care insurance to protect themselves against the risks associated with custodial care costs. The private, nonprofit, nonpartisan research organization found that, “long-term care expenditures represent a significant financial risk for the … Read more
The Centers for Disease Control and Prevention (CDC) estimates that nearly 50 percent of U.S. adults are living with a chronic condition, a number that is up from less than 40 percent 10 years ago. According to the CDC, Medicare beneficiaries with chronic conditions such as congestive heart failure, stroke, arthritis, diabetes, cancer and Alzheimer’s … Read more
According to the 2013 Investment Company Fact Book, American retirement relies upon a five-layer pyramid comprised of Social Security, homeownership, employer-sponsored retirement plans, individual retirement accounts and other assets. Social Security represents the base of that pyramid, as it is the largest component of retiree income for most Americans and the predominant income source for … Read more
Today marks the 70th Anniversary of D-Day. The actual term D-Day has been used many times but when most people talk about D-Day, they are referring to June 6, 1944. On that day, 156,000 Allied Troops in the largest seaborne invasion in history stormed the beaches of Normandy and turned the tide of World War … Read more
If you retire with a pension…congratulations. Less than 22 percent of Americans in the private workplace still get pensions but many government employees still get them. If you’re married when you or your spouse retires and one of you is eligible for a pension, you’ll have to make some decisions. There are two types of … Read more
From the time I was fairly young, my mother handed over jars for me to open.  She always had arthritis and when I was really young it was a kick to open something she couldn’t. As I get older, I am becoming increasingly aware of my own inability to open bags of chips (what do … 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.
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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.
