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“If you own a business, you have hopefully established a buy-sell agreement, in case you or a co-owner voluntarily or involuntarily leaves the company.” The creation of a buy-sell agreement is just one component of a larger process. A buy-sell agreement shouldn’t be drafted and then tucked away for safekeeping—it... Continue reading
Posted Sep 23, 2019 at Rowley Law
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“Use life insurance to leave a legacy when you’re gone” We all want to leave a legacy after we’re gone, but how do you go about accomplishing such a worthy task? An article in MarketWatch, “5 ways to make a great impression after you’re dead,” says you might be surprised... Continue reading
Posted Sep 23, 2019 at Rowley Law
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“You're now responsible for generating your own retirement paycheck by drawing on Social Security, a pension (if you're fortunate enough to still have one) and your savings and investments.” Although it’s critical to plan in the years leading up to retirement, it doesn't mean you’re through planning once you retire.... Continue reading
Posted Sep 23, 2019 at Rowley Law
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“Before death, here's how you can gift assets to your heirs.” There are accidents leading to injuries that can leave a loved one on life support for an extended period. There may come a day when removing life support is discussed. Aside from having a living will and healthcare directive... Continue reading
Posted Sep 23, 2019 at Rowley Law
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“What's a revocable trust, and how does it work?” A revocable trust or living trust can be a wonderful way to create an estate plan for you and your family. These trusts are flexible legal documents that can be modified during your lifetime. When they become irrevocable, they will protect... Continue reading
Posted Sep 23, 2019 at Rowley Law
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“If you kick in a measly $20 a week to your retirement account, you'll end up with an extra $173,000 forty years later, if your investments grow an average 6% a year compounded quarterly.” A little extra belt-tightening on your part doesn’t necessitate any miracles from the market. Research shows... Continue reading
Posted Sep 23, 2019 at Rowley Law
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“Without a plan in place, there could be a long-lasting impact on your loved ones, even if you don’t have a pricey home, large IRA or valuable art to pass on.” The average person spends more time planning a vacation or deciding what car to buy, than they do deciding... Continue reading
Posted Sep 23, 2019 at Rowley Law
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“While you may already have POAs in place, several legislative changes over the years have given financial institutions and healthcare providers reasons to reject them.” One key component of a solid financial plan is properly configured estate planning documentation—especially medical and financial powers of attorney (POA). These documents give you... Continue reading
Posted Aug 30, 2019 at Rowley Law
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“Most couples can benefit from estate planning to ensure their assets land in the right hands after they die and their health care wishes are followed. But same-sex couples often have special situations that require extra planning.” The Palm Beach Post’s recent article, “Estate Planning 101 for Same-Sex Couples,” lays... Continue reading
Posted Aug 29, 2019 at Rowley Law
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“Getting married for a second time is fairly common. But the financial and estate planning issues that result from remarriage can be anything but.” When you are married a second time, the complications and challenges of blended families can really grow, says Forbes’ recent article, “Second Marriage and Estate Planning:... Continue reading
Posted Aug 28, 2019 at Rowley Law
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“Estate planning is an essential part of an individual’s personal finances. This is true no matter how wealthy a person is.” Estate planning is a process in which a person details how their money and other assets should be managed during life and after their death. WMUR’s recent article, “Money... Continue reading
Posted Aug 28, 2019 at Rowley Law
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“A life estate can solve some possibly lengthy and costly problems for your heirs.” Kiplinger’s recent article, “An Overlooked Way to Pass Down Your Home Without Probate: The Life Estate,” explains that simply designating a beneficiary in your will or assuming your home will pass to your children might mean... Continue reading
Posted Aug 23, 2019 at Rowley Law
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“If you’ve been putting it off because it's sad or uncomfortable, don't. Estate planning can be a loving tribute and source of comfort. Here’s what to consider.” No one likes death or thinking about their own mortality. OK, maybe the undertaker, but for the rest of us, it’s creepy. Estate... Continue reading
Posted Aug 22, 2019 at Rowley Law
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“How do I keep my heirs from having to go through probate?” There are some estate planning questions that many of us would like answered. These include how to keep heirs from going through probate, whether you need an estate planning attorney or can you just use an online form... Continue reading
Posted Aug 22, 2019 at Rowley Law
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“The hit podcast "S-Town," which was downloaded more than 10 million times in its first four days, highlighted the importance of having a will.” A will is great first step, but estate planning is an entire strategy to protect you and your spouse in retirement, and to leave a legacy... Continue reading
Posted Aug 22, 2019 at Rowley Law
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“The reality is that taxes have always been a secondary component of the charitable giving process and now may be less critical than ever before. As tax planning has become less relevant, personal goals and the role of the adviser have gained in importance.” Financial Planning’s article, “Charitable giving: It’s... Continue reading
Posted Aug 16, 2019 at Rowley Law
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“There are several advantages that IRAs have over other ways to save.” Everyone wants to take advantage of tax breaks when they're available. One smart way to do this is with an IRA: it gives those saving for retirement some potentially significant tax savings. You can go with a traditional... Continue reading
Posted Aug 15, 2019 at Rowley Law
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“Fifty-six percent of Americans say they do not have a will.” A survey found that a majority of Americans haven't decided how their estate should be divided after their passing. Yahoo Finance’s article, “Estate Planning Is Important for People Without Children,” reminds us that complications arise for people who are... Continue reading
Posted Aug 13, 2019 at Rowley Law
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“Estate planning, when properly done, could more appropriately be called lifetime planning.” Thousands of people have unexpected accidents or health events daily. There is also the potential that you may survive and be in a coma or incapacitated long-term. The Business Journal’s recent article, “Proper estate planning is as much... Continue reading
Posted Aug 12, 2019 at Rowley Law
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“It's called a trust for a reason: You're counting on this stand-alone legal entity to do something you can't.” A trust is a good idea to ensure that ownership of your assets will go to your heirs smoothly and privately. A trust can also have some tax advantages and can... Continue reading
Posted Aug 9, 2019 at Rowley Law
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“Creating a solid estate planning strategy is the capper on the jug of a life well lived - so take it seriously.” Americans are notoriously hesitant to think about—let alone act on—end-of-life financial needs. That’s understandable given the taboo nature of dealing with one's own eventual demise, says The Street... Continue reading
Posted Aug 8, 2019 at Rowley Law
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“Your 30s are a good time to get serious about your finances and make real progress toward increasing and protecting your wealth.” If you're in your 30s, you've most likely been in the workforce for about 10 years. We’re also hoping that you have fully funded an emergency cash account... Continue reading
Posted Aug 8, 2019 at Rowley Law
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“What happens if your primary or contingent beneficiary dies immediately before you do, or at the same time that you do?” When the Titanic sank in the North Atlantic, one issue it raised was how to handle the estates of married couples who refused to part as the ship went... Continue reading
Posted Aug 8, 2019 at Rowley Law
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“Do not be fooled. A will is not an estate plan.” The Naples Daily Newsgives some helpful advice in “Tax Secrets: Top 10 tips for winning the estate tax game.”Take a look: Don’t keep property in joint tenancy. Don’t put money in a pension or IRA if you’re rich or... Continue reading
Posted Aug 2, 2019 at Rowley Law
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“The adjustment to the loss of a loved one is hard enough without the inevitable workload of settling their affairs. Even if they don’t have much in the way of assets, the process takes time – typically up to a year.” Get some good advice from tax, estate, and financial... Continue reading
Posted Aug 1, 2019 at Rowley Law