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Financial Planning

We are an Orange County investment management and tax strategy firm that has developed a national reputation serving sudden wealth clients with financial planning.

The Top 10 Excuses People Use to Avoid Creating an Estate Plan

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The top 10 excuses people use to avoid creating an estate plan. 1) I don’t have enough assets to require an estate plan. When I talk to some people about estate planning, they look at me like I’m crazy. They say, “My last name is Jones, not Rockefeller. I’ve got a simple life with modest…

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What’s Wrong with My Default Estate Plan?

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Congratulations! You already have an estate plan. Maybe you didn’t know it, but right now you already have an estate plan! Even if you’ve never written a Will or considered estate planning, you have a plan. Each state has developed an estate plan of last resort—called an “intestacy”—for residents who haven’t created their own plan.…

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Survive… The Death of a Loved One (Estate Planning Solutions)

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Most of us don’t like to think about death, but as uncomfortable as it may be to think about, if you put off proper planning you risk subjecting your loved ones to a financial disaster—just as they’re trying to deal with the emotional impact of a loved one’s passing. You’ve worked hard to design your…

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When Should You Buy a Long-Term Care Policy & How Much Should You Spend

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Determining How Much You Should Spend on a Long-Term Care Policy If you have decided you want a LTC policy, you next need to decide how much you should spend on it. There is no maximum or minimum dollar amount that will be appropriate for everyone. However, for most people your annual retirement income will…

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What Should Your Long-Term Care Policy Entail?

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Before you start researching LTC insurance policies, first determine if you are a good candidate. Individuals with a net worth less than $300,000 or greater than $3 million may not need to consider LTC insurance—if this is you, consult a fee-only financial advisor to see what approach is best for you. There are a large…

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How Are You Going to Pay For Long-Term Care?

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LTC is not cheap and costs vary depending on the type of care needed. Adult day care is less expensive than assisted living, which is less expensive than nursing home care. On the low end, an adult day care center might cost $35,000 per year and on the other end of the spectrum, a nursing…

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What Are My Long-Term Care Options?

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There are many more LTC solutions available today than there were just a few years ago.  In the past, you had only two LTC options. Either you received support from a spouse at home or you were thrust into a full-time nursing home and received care from nurses and doctors. Not any more! Staying at…

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Survive… Old Age (Long-Term Care Solutions)

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“When I die, I want to go peacefully in my sleep like my grandfather did—not screaming like the passengers in his car.” What does this gruesome joke have to do with long-term care (LTC) planning? Surprisingly, quite a bit. First, unlike the grandfather in the joke, most people do not die quickly. If everyone remained…

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The Ins and Outs of Life Insurance

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Do you know the quickest way to silence the chattiest neighbor on a plane?  Tell him you sell life insurance. You’re guaranteed to be left alone for the rest of the flight. Is it fair that life insurance salespeople have such a bad reputation? Sure, there are a lot of bad apples that have tainted…

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What You Need to Know About Disability Insurance

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What is disability insurance? While our homes may be the greatest financial asset on our balance sheet, until we become financially independent, our ability to produce an income is a much greater financial asset. Once we have enough asset-producing income, our ability to produce earned income becomes less important. Until you become financially independent and…

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