If you’ve had a mortgage on your home for a while, no doubt you’ve refinanced at least once. All the craziness that is going on in the financial markets has created yet another opportunity. Last week, mortgage rates dropped to an all-time low of 3.29% for a 30-year loan. Rates are down a bit this […]
Over the past few weeks, the global impact of the coronavirus on health and economics has taken center stage. Investors all over the world are concerned about the unusual downside market volatility as uncertainty surrounding the virus continues. When it comes to financial markets, many investors focus only on the upside potential of markets and […]
The good news is you have a will that outlines what happens to your stuff at your death. One question that people often overlook is, “Do I need a trust” for a portion or all my assets? Most wills don’t include trusts and leave assets outright to a spouse or children. But in many cases, […]
We were recently involved in helping clients work through the estate settlement for their father. The estate was sizable, but the diversity of assets was both small and not complex…investment accounts, home, personal property. The father’s will provided straight-forward instructions so you’d assume this would be an easy task. It wasn’t. Over the past forty-plus […]
Why You Need It One of the few certainties in life is uncertainty itself. When it comes to your personal finances, it is critical to build and maintain a ready cash reserve that can be used to address the inevitable, unexpected expenses that all of us encounter. Who can predict the timing of significant family […]