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The Truth About Personal Risk Management, Part 1: Insurance

Personal risk management is being aware of the risks in your home and in your life, and then planning how to handle those risks. Insurance plays a big part in managing risk. Most people don’t like paying insurance premiums, but when something happens and the insurance...

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Hobby Lobby Decision

Thanks to the Supreme Court we now know that the religious convictions of the owners of closely held companies (which are not publicly traded) retain a protected status under the Religious Freedom Restoration Act. While paying for abortifacients may not be a driving...

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Inherited IRAs

The Clark case, recently issued by the Supreme Court, has shaken the foundation of certainty that IRA accounts are exempt from the claims of creditors. The actual holding in this case found that an inherited IRA worth $300,000, which was received by the IRA owner’s...

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Who Needs an Estate Plan?

The short answer is “Everyone, age 18 and older needs an estate plan.” It doesn’t matter if you are old or young, if you have built up considerable wealth or if you are just entering adulthood —you need a written plan to keep you in control and to protect yourself and...

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Naming a Guardian for Your Minor Child(ren) PART II

Naming a guardian can be a difficult decision for many parents. Here are some questions to consider in evaluating whom you’ll designate as guardian: Parenting style, values and religious beliefs should be similar to their own. Location could be important. If the...

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Naming a Guardian for Your Minor Child(ren)

A guardian serves as a substitute parent and will be responsible for the care and moral training of your child. Naming a guardian can be a difficult decision.Some things to keep in mind are: the person named guardian will probably not raise your child because the odds...

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8 Estate Planning Things to Do Before You Travel

Taking care of these will help you travel with peace of mind, knowing that if you don’t return due to serious illness or death, you have made things much easier for those you love. 1. Have your estate planning done. If you have been procrastinating about your estate...

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Estate Planning in 2013 and Beyond under the New Tax Law

Therefore, for most Americans the 2012 Tax Act has removed the emphasis on estate tax planning and put it back on the real reasons to do estate planning: taking care of ourselves and our families the way we want. Those who might be tempted to skip estate planning...

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