WHAT KEEPS YOU UP AT NIGHT

Retirement
Financial issues as retirement draws near
Do I have enough to retire?
How long will my money last?
Should I roll over my 401(k)?
Which is best? Ordinary or Roth?
Should I consolidate my retirement plans?
What are my 401(k) distribution options?
Required Minimum Distributions (RMDs)
Which asset to spend 1st, keep to last?

Estate Planning
Are my beneficiary designations correct?
Should I stretch my IRA?
Have I told my survivors my wishes?
Do I know what I need to know about estate and inheritance taxes?
Is my current plan maximizing my tax deductions to my heirs?
Should I set up a trust?
What should I do with my home at my death?
What is IRD?
Am I effectively managing my estate?
How can I give my money away, have enough retirement income, and still pass my assets to my children/grandchildren?
How do I spend the assets I have left efficiently?

Education Planning
What will it cost me to get ready?
Understanding college savings options
529 college planning
Do I qualify for financial aid for my kids?
What is FAFSA?
State or Private schools?
Is there a way to shelter assets?

Life Events/ Family Security
Upcoming wedding expenses
What to do when a relative dies
New job/career-benefits review
401(k) plan choices for job changes
Life insurance-How much is enough?
Divorce/Spouse death: Now you’re “on your own”
Grandchildren have arrived! I want to enhance their financial future
Disability: Who will pay my monthly bills when I can’t work?

Eldercare
Caring for my aging parents
How will I be able to help a loved one with Alzheimer’s Disease?
Being a caregiver
Finding the right care facility for an older relative
Choosing long-term care insurance
When do I consider a nursing home?
Making sense of Medicare
Power of attorney issues
Executor and Executrix responsibilities

Financial Basics
Organizing my financial records
Creating a household budget
Reducing debt
Creating a simplified “big picture” plan