If you are looking to come in to the Stano Group’s offices to have an elder planning discussion, you might want to prepare ahead of time. Here are some things to bring with you when you are ready to sit down to prepare your elder planning documents. A List of Names You are going to [...]
As families get more complex, so does the estate planning. Since most families have some sort of mix of children and stepchildren now, how do you ensure that your mixed family does not end up fighting over inheritance after you are gone? Here are some things to do to prevent family conflict during an emotional [...]
If you are married, you need to have a discussion about retirement with your spouse. It may seem like it is far off in the future, but it might be coming sooner than you think. Here are some things you and your spouse should discuss so you can make sure that you are both on [...]
Do you have an estate plan? Many folks do not think that they need to have one. While it might be tempting to put it off until later or hope that your loved ones or the government will help you when the time comes, it just makes sense to have an estate plan. Here are [...]
Do you have an estate plan? Even if you think you have everything in order, are you sure that you aren’t missing anything? This is a question that many people ask themselves. Fortunately this means that there are other people out there willing to help. Documenting your Plan A will is a tool for distributing [...]
Health Savings Accounts (HSAs) are a relatively new way to save for out of pocket health expenses. While they can be used prior to the age of 65 only for medical expenses that are carried out of pocket, there are some interesting options that an HSA provides for retirees that might make investing in one [...]
You probably don’t consider your Facebook account or your twitter feed a digital asset. You may not even use those (or other) online services. The fact is though; every paperless credit card or frequent flyer account that you have is a digital asset. While many state governments are still struggling with how to best manage [...]
Do you have a collection of art, coins or other valuables that you would like to live on after your death? Then you might be considering donating that collection to a museum or other charity that will be able to use or display it. If you are, then you will need to set up a [...]
The sudden death of a loved one is hard to deal with. This can only be compounded by your loved one not having a life insurance policy. What if the death occurs after the underwriting of the policy but before the policy is delivered. This is where a conditional receipt can come into play. What [...]
Having the assets you worked hard in life to acquire pass on to whom you wish they go, and not the government, then you need to know exactly what is going to be considered part of your estate. You may not realize it, but your life insurance policies can be considered part of your estate [...]