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This Health Connector expansion could benefit Massachusetts residents who are under age 65 and not covered by an employer health plan. The income limits for eligibility for a health insurance credit are up to $72,900 for a single person and $98,600 for a couple. Open Enrollment ends on January 23, 2024. Please view this MA […]
Massachusetts Health Connector – Open Enrollment Ends on January 23 Read More »
There are specific financial products and special considerations for planning and investing when there are children in our lives, including grandchildren, nieces and nephews, or other children with whom we have a personal connection. These may start at the birth of a child and continue to the time in our lives when we are planning
Securing Their Future – Investing for Kids Read More »
Parents, as you begin the process to plan and save for college expenses, you may find this article by Morningstar on The Top 529 Education Savings Plans of 2021 a helpful resource. We also have some useful tips and suggestions in this guide. © Copyright 2022 Morningstar, Inc. If you have questions on
The Top 529 Education Savings Plans of 2021 Read More »
Estate planning is more than having a will or a trust, a power of attorney and a medical directive, which most of us do with the guidance of an attorney. Sometimes we make estate planning decisions which may not involve an attorney and we may not understand the consequences. And that means we may make
7 Common Estate Planning Mistakes Read More »
For many people, planning for a comfortable retirement is a long term challenge. A divorce can make it even more challenging. What had been a joint effort, with shared assets and expenses, now becomes an individual undertaking, with each spouse needing to cover the costs of a household and having fewer resources to tap. The
The Impact of Divorce on Retirement Planning Read More »
IRA accounts, which for many of us started as annual $2,000 contributions in the early 1980s, have grown to be major factors within the estate planning process. It was recently estimated that more than $19 trillion sits in Traditional IRA accounts as of 2020. At Fidelity Investments alone, there are more than 300,000 IRA accounts
Using a Charitable Remainder Trust to Leave Your IRA to Your Children…And To Charity Read More »
UGMA (Uniform Gifts to Minors Act) and UTMA (Uniform Transfers to Minors Act) accounts allow the transfer of financial assets to a minor without establishing a trust. (UTMA and UGMA accounts are basically the same, with UTMA accounts allowing for the inclusion of additional asset types, like real estate. Most states replaced their UGMA statutes
Investing for a Child: UGMA/UTMA Accounts vs. 529 Plans Read More »
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A Financial Caretaking Plan outlines the steps you take to transfer bill paying, investment management, estate planning, and tasks you need to complete to prepare for the day you can no longer manage finances on your own.
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