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Category Archives: Estate Planning

Retirement

What Retirees Should Know About Long-Term Care Insurance

By David Toback |

“Don’t be insurance poor” is one of the cornerstones of personal finance at any age.  Especially as you approach retirement age, you look for ways to spend a modest amount of money now in order to save a larger amount in the future.  Just as young, healthy people should buy health insurance and life… Read More »

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Estate Planning For Stepparents

By David Toback |

Florida’s roads and parking lots are full of bumper stickers celebrating how awesome it is to be a grandparent.  Stepparenting has a reputation for being considerably less fun than grandparenting, but with the right stepchildren, it can be a great family relationship.  In fact, your stepchildren might be the family members you trust the… Read More »

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Employer-Provided Retirement Savings And Your Estate Plan

By David Toback |

The term “the Great Resignation” has been all over the media for the past year, but it has different connotations depending on the age of the workers to which it is being applied.  For younger workers, the conventional wisdom is that a “work stinks” attitude is an essential feature of the Zeitgeist, and that… Read More »

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Final Disposition Of Remains Planning

By David Toback |

Estate planning is about making plans for the things you can’t take with you when you die and ensuring their wellbeing while you are alive.  A lot of estate planning focuses on finances, because the thought of your family members fighting over your estate during probate is painful, as is the thought of them… Read More »

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The Aging In Place Tour Of Your House

By David Toback |

If your children and grandchildren visited you for the holidays this year, the visit probably began with you showing them everything in your house that you had acquired more recently than their last visit, such as new furniture or appliances.  When your family is visiting you, it is always a reminder that human companionship… Read More »

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The Only Thing Worse Than Not Updating Your Will Is Not Updating The Beneficiaries Of Your Non-Probate Assets

By David Toback |

‘Tis the season when adults who plan to spend the holidays together make noises about not wanting to exchange gifts but end up doing it, anyway.  In an effort to avoid gifts that will just end up as clutter in the recipients’ houses, you endeavor to buy your siblings practical gifts.  It was mighty… Read More »

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Got Long-Term Care Insurance? You Can Live Out Your Days In A Posh Assisted Living Resort!

By David Toback |

Two of Thomas Mann’s novels, both written on the eve of the First World War, are set in popular destinations for people seeking to improve their health.  One of them is set in a modestly priced city on the Italian coast, where the warm climate attracts visitors from colder parts of Europe; the main… Read More »

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For Optimal Retirement Income, Withdraw Money From Your Investment Accounts First

By David Toback |

While you are still in your prime working years, decisions related to maximizing your retirement income relate to increasing your earnings and living below your means, so that you can put as much of your income as possible toward retirement accounts and investments on which you can draw after you retire.  From this perspective,… Read More »

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Student Debt And Your Estate Plan

By David Toback |

As going to college has become an expectation for a greater and greater number of young adults, student debt has become almost universal after those students graduate or decide, without making it all the way to graduation, that paying for college will do them more harm than good in the long run.  If you… Read More »

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Estate Planning Steps That LGBTQ+ Families Can’t Afford Not To Take

By David Toback |

When a resident of Florida dies without a will, the person’s spouse, children, or siblings may inherit the estate, depending on your marital status and on which relatives are still living.  The trouble is that estate law’s definition of a marriage and of parent-child relationships is somewhat narrower than the lived experiences of many… Read More »

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