Do You Need a Will or Trust?

Do You Need a Will or Trust?

A surprising number of Americans don’t have an estate plan at all.  They don’t have a will, a trust, or any other estate planning documents in place.  This is by itself a tragedy for the survivors who are left behind.  It is hard enough to lose a loved one, but to be...
Why You Need a Living Will

Why You Need a Living Will

What would happen if you needed emergency medical care and you could not make decisions about your care or communicate your wishes?  Who would speak for you?  Who would make critical health care decisions that would be in your best interest? Do you have a will? An...
Traditional IRA vs Roth IRA

Traditional IRA vs Roth IRA

The acronym IRA stands for Individual Retirement Account and it represents one of the most flexible retirement options available to most people. When compared to a typical 401(k), 403(b) or other retirement savings plan provided by some employers, the IRA allows a...
Will CDs Make a Comeback

Will CDs Make a Comeback

According to the Wikipedia definition: A certificate of deposit (CDs) is a time deposit, a financial product commonly sold in the United States and elsewhere by banks, thrift institutions, and credit unions. CDs were in vogue during the 1980s in the U.S. because they...