Frequently Asked Questions

Below are just a few of the questions our clients have asked. We can answer these and more!

• Should I refinance my mortgage again?
• Should I lease or buy a car?
• Should I invest in a 529 plan? If so, which one?
• I’m scared. Should I get out of the market?
• Look at my total investments. Is my allocation right?
• How should I diversify my large position in my employer’s stock?
• Did my mother’s broker rip her off?
• Do I have enough to retire?
• Is charitable giving an appropriate estate planning tool for me?
• Should I continue the life insurance policies that I have?
• How much can I spend in retirement?
• If I change jobs, how will my benefits compare?
• We are getting divorced. What are the things I should consider?
• How much salary versus sub-s distributions should I take?
• Should I lock in my student loans?

• What is the best way to protect my assets from creditors?
• I have too much debt. What should I do?
• I need a good accountant. Who do you recommend?
• All my friends have a living trust. Do I need one?
• I live alone and am getting older. How should I protect my finances?
• Should I use a Roth IRA or a regular IRA?
• Is my budget reasonable?
• Do I need life insurance on my children?
• How should I make gifts to my family members?
• I was offered an alternative investment. What do you think?
• What is the role of an executor and trustee? A custodian?
• I am being offered an out-placement package by my company. Should I take it?
• How should I negotiate my new employment contract?
• We are not married. How should I protect my partner in my death?


• Am I carrying enough property casualty insurance?
• Do I need long term care insurance? If so, what should be the policy provisions?
• If we want financial aid, what is the best way to own assets for our children’s college education?
• The income from my investments is declining. Why? What should I do?
• What do you think of ABC stock? Mutual funds? A, B, C, D and Z shares? Annuities?
• What is the best way to ease out of my business and transfer ownership to my children?
• When should I exercise my company stock options? What are the tax issues?
• Are my health and retirement plan best for my small company? Are the terms of my health plan okay?
• Is my Social Security calculated correctly? Should I begin taking it at 62?
• How much and which type of life insurance do I need? Do I really need disability insurance?
• Am I missing out on tax saving strategies?
• How do I get out of this insurance contract? What does the contract really say?
• I think my mother may have Alzheimer’s. What are the steps to get help from Medicaid?
• Should I take a 15 or 30 year mortgage? Fixed or variable? Should I pay down my mortgage?
• I need some simple (or complicated) estate planning. Which lawyer do you recommend?
• How much of my children’s college education should I plan on paying?
• Should I use a custodial account for my children? or grandchildren?
• Is my estate plan still appropriate given changes in the estate tax laws?
• How much should I save in my retirement plan? College funds? Improve current lifestyle?
• How do I get key non-stockholder, non-family employees excited about our business?
• I have a short time to live. What should I do to maximize my income and estate taxes for my heirs?
• I don’t understand the estate planning documents I have. Are they OK for my situation today?
• How should my beneficiaries on my IRAs and company plans be worded?
• What is the benefit of a payable upon death or designated beneficiary for my brokerage account?
• One of my children has joint ownership of my brokerage account. Is this OK?
• This is our second marriage. How can our estate plans be fair to our kids from our first marriage?
• What is the difference between a power of attorney (POA), a POA for health care and a living will?
• How much can I put away in a SEP, a Simple IRA, a profit-sharing plan, a Roth or regular IRA, an individual 401k?
• How should I take maximum advantage of my employer’s cafeteria compensation plan?


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