The American Retirement Advisor

Young people, starting out in the workforce, today, have high doubts about Social Security benefits being available once they are at retirement age.  This cynicism is not unfounded, as they often hear the media and politicians talking about the uncertainty of Social Security.  The newest word on ...

Maybe it is because of the new Health Care Reform Act. Perhaps you have just decided it is time you took the time to care of your health care and focus on health insurance.  Whatever the reason, you have decided to buy your own health insurance.  This is an important step. Speak with a reliable a...

Dignity and Quality of Life. These are two key words used whenever a news article comes up about a family disputing over end of life care for a loved one.  You may have read about some of the chilling stories that pitted families against one another, as each side says they only wanted to do what ...

Turning 65 and getting overwhelmed with junk mail?   What do you do?  How to you pick which Medicare program is the best one for you? So many choices I think I am going to scream! Original Medicare, Retiree Group Medical Benefits, Medigap, Medicare Advantage, Medicaid?  What is the difference?  D...

It can happen at any time or any place.  No one has a timeline on their forehead that lets us know when their time is up.   The last thing we want to worry about is leaving a large financial burden on our loved ones after we are gone.  An important part of retirement planning is to make sure your...

Now that you have figured out how much you need to save in order to retire comfortably, you may be ready to sit back and  dream a little about your retirement years.   But, you are not yet done with the planning process.  To have a complete retirement plan, you want to cover all of the possibilit...

In 1912, the life expectancy average was about 50 years.   Here we are 100 years later, and the life expectancy has not only increased to an average of 77, but it continues to grow.  The number of centurions has also increased and we are expecting there will be even more in the coming years.  Wit...

What do you really expect from your financial advisor? Most folks say I want him or her to make me money. But when they do not meet that basic expectation, the normal discussion sounds like the following: It’s not his (my financial advisor) fault, it’s the market. Or, everybody has lost money, or...

How do we truly show how much we care for our spouses?  The jewelry and flower companies are filling the airwaves with ads telling us what they think we shouldbuy to show our spouses how much we love and care for them. I was listening to one of the sales pitches and it occurred to me that all of ...

When planning for retirement many people think they cannot afford to set aside for a retirement fund.  Some even think they will work until they die and see no relief in sight.  What they are really looking at is the debt of today.  The best way to be able to focus on having the money for retirem...