The Trust Dilemma: Essential Protection or Unnecessary Expense? Let’s face it – when it comes to estate planning, there’s a ton of confusion out there. I’ve spent countless hours researching trusts, and I’m gonna give it to you straight: some people absolutely need a trust, while others are wasting their money. Truth is, attorneys sometimes … Read more
These reviewers are experts in their fields and professional writers who often work for reputable newspapers and magazines like The New York Times and The Wall Street Journal. Our expert reviewers review our articles and recommend changes to ensure we are upholding our high standards for accuracy and professionalism. Our expert reviewers hold advanced degrees … Read more
Insurance agents and financial advisors have been investing their clients’ retirement money in annuities for decades. This practice has its detractors, with the criticism usually focusing on the high commissions paid to annuity salespeople and stiff fees charged to annuity owners year after year. In fact, if you compare the costs of an annuity to … Read more
Should you really agree to give up control of your assets? There are some good reasons to get this type of trust, but there are some major drawbacks as well. When you purchase through links on our site, we may earn an affiliate commission. Here’s how it works. Despite what you may have heard, you … Read more
You don’t just say “I do” and live happily ever after when you get married. When two people get married, they don’t just join their hearts; they also join their wallets! As someone who has helped many newlyweds figure out their finances together, I can say from personal experience that marriage changes the way people … Read more
If your employer allows 401(k) trading, you may want to trade securities with your 401(k) money. Find out how often you can buy and sell in your 401(k). 3 min read. Originally, a 401(k) account wasn’t meant to be a brokerage account where employees could trade securities. Instead, it was meant to be a place … Read more
Tina is in charge of the Citizens Wealth Management financial planning and estate planning team, which is made up of CERTIFIED FINANCIAL PLANNERSTM, estate and tax planners, and trust officers. As a strategic partner, she helps clients deal with and grow in new situations. The idea of being able to spend their days however they … Read more
It’s not easy to get approved for Social Security Disability Insurance (SSDI) benefits. Statistics from the Social Security Administration (SSA) show that between 2063 and 2074 percent of initial applications for SSDI benefits are turned down. Because it is so hard to get approved in the first place, many people who receive these benefits worry … Read more
Are You Behind or Ahead in Your Financial Journey? Let’s be honest – turning 40 hits different. You’re likely juggling career demands, family responsibilities, and maybe even caring for aging parents. With all that going on, it’s no wonder if retirement savings has taken a backseat. But here’s the uncomfortable truth your 40s are critical … Read more
You’re not the only one who wants to retire at 55 with their stethoscope or hospital badge. A lot of people who work for the NHS wish they could leave the demanding healthcare world early. You can retire at age 55 with an NHS pension, which is good news. But there are important conditions, reductions, … Read more