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Walnut Creek, CA 94597
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KIRSTEN


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Kirsten Gets Interviewed on Live Radio


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SUMMER 2016 – IS YOUR FAMILY PREPARED?


We recently did a presentation at a financial planning colleague’s office entitled “Is Your Family Prepared?” Most of the audience had already done their estate planning and the emphasis of the presentation was not to encourage them to do estate planning.  Rather, our focus was to point out other ways that clients can help their families to be prepared for their eventual deaths

 

Summer 2016 KH Nwsltr

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SPRING 2016 – The ABLE Act: A New Tool for the Special Needs Community


Late in 2014, the federal ABLE (“Achieving a Better Life Experience”) Act was signed into law to become effective in California this year.  The law is designed to provide those with special needs a way to save money without losing needs-based public benefits such as SSI or Medi-Cal.  This is an important issue and, perhaps the greatest accomplishment of the Act is that it brings attention to the community and addresses a serious struggle that they face.  The fact that the ABLE Act had strong bi-partisan support is encouraging for the special needs community and those who serve it.

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WINTER 2016 – Why We Fail to Plan For Long-Term Care


Most Americans do not know, or refuse to accept, the facts surrounding their potential need for long-term care and the costs associated with it.  This was reconfirmed recently in a telephone survey of 1,735 Americans over the age of 40, funded by the SCAN Foundation and conducted by the Associated Press (AP) – NORC Center for Public Affairs Research (“survey”).  This survey highlights many of the misconceptions Americans have about long-term care, including: the potential that a loved one may need some sort of long-term care within the next five (5) years; lack of knowledge of the positive impact of “person-centered care” practices; lack of understanding of coverage of long-term care services by Medicare, Medicaid and private insurance; and an increase in lack of concern over failure to plan for the costs associated with long-term care

Fall 2015 – Can Your Children Effectively Manage Their Inheritance?


Imagine that you’ve spent years building a lucrative career, an expanding port- folio of investments, or a profitable business empire. You built this legacy to provide for your family. You wanted your children and grandchildren to be protected financially – otherwise, what was all that hard work for?

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Summer 2015 – Does a Prenup Belong in Your Estate Plan?


Many people tend to think of a prenup as the document that stipulates how marital assets are divided in the event of a divorce, but they also come into play when one spouse dies.

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Spring 2015 – Understanding Medicare


Many people might be familiar with Medicare as coverage for major medical situations, such as hospitalization or emergency services. But there is much more to Medicare. Understanding the different parts of Medicare can be difficult. Each component means something different for your health care and your financial bottom line.

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Winter 2015 – Understanding Social Security Survivor Benefits


According to the Social Security Administration, a surviving spouse may be eligible to receive the deceased spouse’s full retirement benefits at full retirement age (“FRA”).  For survivor benefits only, FRA is 66 for anyone born before 1957, and it increases two months every year until it reaches 67 for those persons born in 1962 or later. (For a regular retirement or spousal benefit, FRA is 66 for anyone born before 1955 and it increases two months every year until it reaches 67 in 1960).

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Fall 2014 – Top Six Reasons to Update Your Estate Plan


More and more of our estate planning work is for existing clients who already have wills, trusts, powers of attorneys and health care directives, but for a variety of reasons they come back wanting to update their estate plans.

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July 2014 – What Should be Done About A-B Trusts


In the old days (meaning way back any time before 2013) we estate planners routinely created what are commonly known as “A-B trusts” for our married clients.

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April 2014 – Thoughts on Making the Decision to Seek Nursing Home Care


One of the most difficult decisions faced by any family is whether to place a spouse or parent in a nursing home.

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January 2014 – An Overview of Long-Term Care Options


One of the greatest concerns for the elderly we serve and their families is that of long-term care.

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