Business

Very few people could “save” enough for retirement with today’s long life expectancies and earlier retirements.  If you just “save” – yet do not have growth that exceeds both income taxes and inflation, you are more likely to run out of money.

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“Live as if you were to die tomorrow. Learn as if you were to live forever.” Mahatma Gandhi

While it can be difficult to confront your own demise, setting up an estate plan is important to ensure that your wishes are followed and your loved ones taken care of after your death. Your estate plan puts your last wishes, hopes, desires and choices down on paper, in black and white, for all to see. The words on the paper speak for you when you cannot.

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As a celebration of this joyous Easter season, and the blessings God has given me in my lifetime, I would like to share some of my favorite words of financial wisdom from the Bible:

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If a man dies and leaves his estate in an uncertain condition, the lawyers become his heirs.  Edgar Watson 

When people think about dividing their assets among their loved ones when they die, they very often take for granted that anything that they leave as an inheritance will be divided equally among their children.  While this makes sense, it is not the right result in all situations.  Estate planning is personal to each family’s situation and the disposition of the estate should reflect the wishes of the giver--whether anyone inside or outside the family would agree.

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Nobody relishes the task of making out a will. Squarely addressing the prospect of your own mortality can be upsetting. Sitting down to prepare a Last Will and Testament is not at the top of anyone’s “this is a fun thing to do" list.

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