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Tom Lofton
Resident of Mill Creek, WA
No.More.Tears
Recent Activity
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Being in a relationship isn’t for everyone. However, if you find yourself single in the long run, financial experts say you should be planning for retirement differently Continue reading
Posted Dec 14, 2018 at Estate Group at Oseran Hahn
Social Security provides valuable benefits, and it's important not to waste the opportunity to get them. However, given just how complex it is to evaluate your Social Security benefits, it's not surprising that some people make mistakes Continue reading
Posted Dec 6, 2018 at Estate Group at Oseran Hahn
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New Year's Eve is far away. However, it's never too early to organize your finances for the end of the year. Do it while there’s still plenty of time to increase your retirement nest egg, lower your taxable income and avoid tax penalties Continue reading
Posted Nov 30, 2018 at Estate Group at Oseran Hahn
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A long life is a great gift, but with the joys come some financial and legal challenges. The earlier you act to address them, the better off you and your heirs will be. Continue reading
Posted Nov 16, 2018 at Estate Group at Oseran Hahn
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Rather than hewing to the old model of first using a laundry list of home health agencies and then moving to assisted living in facilities, self-directed programs allow people to customize their care in home, even giving them freedom to hire caregivers directly. Continue reading
Posted Nov 14, 2018 at Estate Group at Oseran Hahn
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Don't have an up-to-date estate plan? You're not alone. More than 70% of Americans don't, including more than half of all baby boomers. That's why we're sharing our best tips for creating one. Continue reading
Posted Nov 14, 2018 at Estate Group at Oseran Hahn
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The most common need of those preparing to step into retirement isn't what you think: it's confirmation that all the hard work, discipline and saving was enough. Continue reading
Posted Nov 2, 2018 at Estate Group at Oseran Hahn
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It's easy to put off because it can be morbid and often doesn't kick in until late in our lives, but it's an important piece to be thinking about for those of us who want to make sure our families are provided for. Continue reading
Posted Oct 31, 2018 at Estate Group at Oseran Hahn
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Last week, a judge in Tennessee ruled that the three children can dispute the validity of the wills that excluded them from inheriting. They petitioned the court to certify that a contest to the will exists, on grounds of his alleged lack of capacity and undue influence. Continue reading
Posted Oct 29, 2018 at Estate Group at Oseran Hahn
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In an attempt to take a step toward countering some of the negative impact of elder financial abuse, the government recently passed the Senior Safe Act in May 2018, as part of a bipartisan banking reform set of laws. Continue reading
Posted Oct 19, 2018 at Estate Group at Oseran Hahn
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Here’s one answer to the “Where to go next?” question being asked by those inching toward retirement, or those looking to escape the increasing cost of Seattle living and combine resources with a like-minded community. Continue reading
Posted Oct 17, 2018 at Estate Group at Oseran Hahn
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Every month or so, 49-year-old Amy Pickard hosts a potluck gathering at her apartment. They've been described as death Tupperware parties,’ she explains. Continue reading
Posted Oct 5, 2018 at Estate Group at Oseran Hahn
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It is important to include your digital assets in your estate plan. However, you need to know what they are. Continue reading
Posted Sep 27, 2018 at Estate Group at Oseran Hahn
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Financial crimes against the elderly are an increasing problem in the U.S. However, most states are not doing enough to fight it. Continue reading
Posted Sep 21, 2018 at Estate Group at Oseran Hahn
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It is very important that elderly people talk to their younger family members about what their needs are and what they might be in the future. Too many people are not having those conversations. Continue reading
Posted Sep 19, 2018 at Estate Group at Oseran Hahn
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Many elderly Americans are entitled to a lot of money that they may have forgotten about or do not know how to locate, because they have lost track of old retirement and pension plan information. Continue reading
Posted Sep 13, 2018 at Estate Group at Oseran Hahn
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If you do not plan ahead for what might happen to you if you are ever incapacitated, then your family (or others) will have to make health care decisions for you. That can cause them a lot of stress and may not be the wishes you have. Continue reading
Posted Sep 7, 2018 at Estate Group at Oseran Hahn
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It is important to change plans, when things change that make your previous plans bad. Continue reading
Posted Sep 5, 2018 at Estate Group at Oseran Hahn
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The increasing popularity of cryptocurrencies creates challenges for planning how those assets will be handled, after the owner passes away. Continue reading
Posted Sep 3, 2018 at Estate Group at Oseran Hahn
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There are a variety of things that can make your estate plan less effective and not accomplish what you think it will. However, some things happen more often than others. Continue reading
Posted Aug 30, 2018 at Estate Group at Oseran Hahn
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A recent study suggests that Medicare Advantage enrollees are more likely to go to lower quality nursing homes, than people enrolled in traditional Medicare. Continue reading
Posted Aug 28, 2018 at Estate Group at Oseran Hahn
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If you know that your family is likely to fight over your estate, you can limit the fight greatly, by using a trust instead of a will. Continue reading
Posted Aug 24, 2018 at Estate Group at Oseran Hahn
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If you have a health care power of attorney and living will, you should make sure that someone you trust knows where to find them. Continue reading
Posted Aug 22, 2018 at Estate Group at Oseran Hahn
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Getting a trust for an estate plan is often presented as something that everyone should do. However, trusts are not always needed and have some drawbacks of their own. Continue reading
Posted Aug 16, 2018 at Estate Group at Oseran Hahn
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Some people would prefer to forgo traditional funeral options, in favor of more environmentally friendly ones…and now there are several options. Continue reading
Posted Aug 14, 2018 at Estate Group at Oseran Hahn