Emotions affect all normal health people; and that is none more true than when it comes to our money. Fear and greed predominately influence us when making decisions about money, especially when it comes to “the market.” We don’t seem to know when

April 15th causes concern for many Americans because it means that it is “tax time." Time for all of us to file our return or file our extension. We can file an extension providing that all of our taxes owed to the IRS are paid. Uncle Sam does not care

Do you know how to make the most of Social Security and maximize your benefits? A recent article appearing in the Investment News informed the public that Congress has proposed changing the filing options for married couples. They buried the proposal in

When he learned of his wealthy neighbor’s death, a man said, “I wonder how much he left behind.”  To that another said, “All of it.” No matter how much or little we have, we can’t take it with us.  Estate planning allows us to prepare, prot

Developing a disability concerns most aging adults. Statistics show that 2/3 of the aging population will need some form of Long Term Care for some period of time. Even though statistically most of us will need skilled-care, only a small percentage of fa

Essential to financial planning, smart money management allocates the right portion of savings to the cash reserves basket (financial liquidity).  Todd’s wife likes to call it “her sleep at night basket.”  Many wives agree. As a rule of thumb, mo

We all want our money to grow.  How rapidly we can grow our money depends on the type of risks we assume.  Risks come in different forms – from inflationary risks where the value can gradually decline to capital losses where the value can quickly decl

As a CERTIFIED FINANCIAL PLANNER™ I instruct people to become debt free as soon as possible.  That is a good rule of thumb, but as a Kentucky Elder Law Attorney, the use of debt can actually help a family protect more of their estate against the spend

According to Wikipedia the postal service has no motto or creed, but the foregoing statement has become associated with the USPS nonetheless.  The motto indicates that the postal service is reliable and dutiful.  I personally have had enough experience

This week a client expressed her increasing desperation of feeling tired, overwhelmed, and confined.  Her husband is showing greater signs of aging and is becoming increasingly dependent.  She can’t leave the home for very long and she has to attend t