Just days before my wedding in 1993, my grandmother had a major heart attack. She didn’t go to the hospital (which was a 3 mile drive straight down West Front Street.) Gram and her husband, a life-long farmer at Sunnyside Farm in Middletown, didn’t understand how Medicare worked. They were afraid of the cost. Living on a fixed income, they didn’t know how they would pay for her care if they called the ambulance or just drove the 10 minutes to Riverview….They had her drink warm water to ease the pain and waited.
By the time anyone knew what was happening it was too late. Gram, died the night before my wedding.
I became a financial planner to help people like my grandmother understand what resources are available to them. To plan for a life, both financial and non-financial by teaching them how money works. How investments work. How insurance works. How inflation hurts. How income taxes hurt. How estate planning works. How charity helps. How cash flow works. How retirement plans work.
I can help you put together and maintain a life-long financial plan so that you are better able to withstand whatever life can through at you. I can teach you how money works.
Fiduciary Family Steward
Best plan for established professionals who have accumulated what to them is now 'real' money. Looking for ongoing advice to confirm and maintain they're going to be ok, to help them make good decisions, and to advise on strengths and weaknesses of their financial life plan.
Social Security Analysis
Social Security is a lot more valuable than many people realize. Here are a few points to consider:
- Social Security is a lifetime annuity. Once you start getting it, it keeps coming until you die.
- Social Security benefits are inflation-protected. A nice benefit, indeed, thanks to annual cost-of-living adjustments (COLAs). With the power of compounding, these annual bumps can really start to add up over the years. This aspect is often overlooked by individuals and advisors.
- Social Security benefits include a right of survivorship. So when one spouse dies, the other can continue to receive the higher of the two benefits until they die, too
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