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The Right Type of Life Insurance for Your Estate Planning Needs Life insurance has been associated with estate planning for decades. Life insurance works for estate taxes because they are due when death occurs, the same trigger that pays life insurance death benefits. But one life...

Many people do not see an estate plan as necessary. Others recognize the need to plan, but have no idea whom to contact or how to begin. Estate planning encompasses much more than simply protecting one’s assets; it provides peace of mind that your assets will pass according...

It’s complicated, it requires detailed work—but it’s all right here in a how-to-do-it format. So, get out your calculators (one that can solve for exponentials) … More than any single factor, money will determine when people will retire and the type of lifestyle...

Setting financial priorities is frequently very difficult for individuals. Yet, it is very important for most people, since few of us have the financial resources to totally finance all of our “wants.” Setting priorities allows us to consciously review our objectives and rank...

Knowing how to use money wisely is a critical skill that is best learned starting at a young age. Imparting this knowledge is an issue many parents wrestle with. Part of being an adult in our culture is knowing how to use money wisely. And, as with other fundamental issues, it...

Last week’s featured AAII article on the AAII blog outlined ways in which individuals can organize their personal financial files. It turned out to be one of the most popular posts in the blog’s history. As the article points out, there are a number of reasons to keep...

Are your file cabinets overflowing? Everyone needs to keep certain personal financial files more or less permanently. But which files should you keep, and why do you need to keep them? How long should you keep them and in what format? This post serves as a brief guide to organizing...

Everyone has a different view of retirement and, thus, different goals they hope to achieve in retirement. The goals may include taking better care of themselves, traveling more, spending more time with friends and family, etc. AAII Weekly Survey Question To get an idea of the biggest...

Human capital is something we all have, and it’s becoming a front of mind issue in the press and in the field of financial planning. What’s up with that? What Is Human Capital? For economists, there is a very specific definition for human capital. They say it is the value...

It is well-known that the best way to motivate someone to go see an estate planning attorney is to arrange a trip to a faraway place. There are, of course, excellent reasons for consulting with an estate planning attorney other than exotic travel. Up-to-date estate plan documents...