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Talking to Parents About Money For parents and their children, aging presents a host of financial issues—on everything from managing finances to preparing for medical costs. Given the emotionally charged nature of the topic, adult children understandably shy away from the dialogue. However, the right and well-timed conversation between children and parents helps everyone think…
Your Guide to Medicare: 4 Key Questions Answered When you turn 65, you will be eligible to enroll in Medicare and reap benefits from a program you have contributed to during your working life. Yet getting the most out of this federal health plan can be daunting. According to the National Council on Aging, more…
Are You the Family Bank? Almost every family has one: the person everyone calls when money is tight and they need a helping hand. The more financially responsible you are, the more likely you may be considered “the family bank,” according to a 2013 study conducted by Merrill Lynch in partnership with Age Wave. The…
The Empty Nesters’ Dilemma As tempting as it is to remain in your family home, practical considerations may pose challenges. For many people, a longtime home connects them to a community and a way of life they cherish, so it is easy to understand why older Americans might reject the notion of relocating or downsizing…
How Market Volatility Affects Us Stock market turbulence may influence your decision-making in helpful or harmful ways. It is natural to feel some level of anxiety during tumultuous markets. At times like these, many of us behave in one of two ways. The first is: “I do not know what to do. I feel stuck.”…
Investing in a Healthier World The world has a weight problem and it’s getting worse. A 2014 study from the University of Washington, analyzing data from 188 countries, found that more than 2 billion people are overweight or obese — some 25% more than in 1980. It’s one of several health challenges the world faces…
Engaging Women in Wealth Mark your calendars for two upcoming Engaging Women in Wealth Workshops at Rancho Santa Fe Golf Club, presented by Deb Sims of Estate Management Group. On Wednesday, September 9, Sims will discuss “Tax Tips ~ Are You Paying Yourself First?” And on Wednesday, October 7, Sims will focus on “Social Security…
Retiring Abroad There’s something undeniably appealing about the idea of living an expatriate adventure in retirement. But relocating to another country isn’t easy. You’ll need to consider a range of factors, from your destination country’s political stability to the logistics of managing your assets from afar. Here are a few of many financial and legal…
Tips for Your Home in Retirement With newfound freedom and unprecedented longevity, retirees today are more empowered to pursue a home that fits their desired lifestyle and changing priorities. Achieving your best home in retirement requires careful forethought and preparation. You’ll need to consider a range of factors to get the most out of your…
Retirement as a Couple: Two People, One Strategy Planning for retirement is one of the most important things to do and making sure you and your spouse are on the same page with your retirement plan is crucial. Couples who began saving and investing for retirement before their partner came into the picture are often…
Divorce, Remarriage and Their True Cost Whether you’re getting divorced, recovering from one, or watching it unfold for a friend or family member, consider these steps for minimizing the financial consequences. The first financial shock to face is the cost of the divorce itself. You’re already splitting assets; when you add a messy divorce with…
The Upside of Downsizing By Debra Greenberg, a director in the Personal Retirement Strategy & Solutions Group at Merrill Lynch Wealth Management As people grow older, they often discover that less is more when it comes to housing. Either they find that they no longer need as much space — or doubt whether it’s worth…
Live Better Longer By Cynthia L. Hutchins, Director of Financial Gerontology at Bank of America Merrill Lynch Like many people, you’ve worked hard over the years to build your wealth for a more secure future. But have you taken time to consider your health in retirement and the financial implications? Health care expenses are people’s…