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Total: 17 results found.

Home for the Holidays

Created on Tuesday, 15 November 2011. Posted in main/blog

According to Luise Warren, a Geriatric Care Manager (GCM), it happens every year just after the Thanksgiving, Hanukkah and Christmas holidays - a spike in calls to her offices in the western suburbs of ...

Retirement Security? The Name of the Investment Game is Controlling Risk

Created on Monday, 07 November 2011. Posted in main/blog

... would provide an inflation adjusted stream of income for 30 years, the combination of a severe downturn in the market plus the periodic withdrawals may reduce the life of the portfolio by 5 years. How ...

No Medigap Supply Coverage - Penny Wise Dollar Foolish?

Created on Friday, 21 October 2011. Posted in main/blog

... much worse. Dan's 83 year old father had to endure 6 hours of emergency heart surgery. After a lengthy stay in the hospital, he was moved to a skilled nursing facility. It was only then that Dan found ...

Medicare Part D Enrollment for 2012 Comes Early this Year

Created on Monday, 12 September 2011. Posted in main/blog

Health care reform made significant changes to the Medicare Part D prescription drug program. The annual coordinated election period will be October 15 through December 7 in 2011 and future years; in prior ...

Cash is not King!

Created on Friday, 01 July 2011. Posted in main/blog

... the next few years that could derail growth and possibly cause a new bear market if not an outright financial crisis. Under these circumstances, weak upside returns with the chance of a serious bear market, ...

Have you had “the talk” with your parents?

Created on Friday, 24 June 2011. Posted in main/blog

... parents about their parent's finances. You may find that talking about sex with your parents so many years ago was easier than raising the money issue today. Pride and "it's none of your business, ...

Rule of Thumb

Created on Thursday, 05 May 2011. Posted in main/blog

... some clarification. For example: Withdraw 4% of what? Of the beginning year balance in the nest egg? Or is it 4% of the nest egg balance when you retire? This can make a difference. For example, ...

Inflation Friend or Foe

Created on Tuesday, 12 April 2011. Posted in main/blog

... the method of calculation which is too painful to get into detail, there are other explanations for this situation. This has been a bad year for agriculture around the world. You might have heard of some ...

Keeping your Medigap plan affordable

Created on Friday, 11 March 2011. Posted in main/blog

... to their Medicare Part B and Part D premiums, they were spending well over $800 a month on their health coverage. Both are relatively healthy. Their only medical expenses during the year were twice annual ...

Financial Planning for Chronic Disease: Parkinson’s Disease

Created on Friday, 25 February 2011. Posted in main/blog

... this blog, the focus is on clients diagnosed with PD after age 60. Keep in mind, however, that Parkinson’s disease is not as associated with aging as (for example) Alzheimer’s disease. Each year, 40% of ...

Because they are close to retirement and realize the importance of...

Created on Tuesday, 14 December 2010. Posted in main/HOMEaccordian

Designing an income plan that reduces the risk that you will run out of money before you run out of life takes careful planning. How much can you withdraw each year from your retirement accounts? When ...

Jean K. Lyon

Created on Friday, 15 October 2010. Posted in main/team

... they are met with a friendly, knowledgeable team member. 23 years experience in account administration and executive administrative roles  ...

James Sullivan

Created on Friday, 15 October 2010. Posted in main/team

James Sullivan, M.A.S.,CPA/PFS James specializes in retirement planning with special emphasis on helping his clients control the specific risks of retirement. Jim has over 20 years of financial planning ...

David Fluett

Created on Friday, 15 October 2010. Posted in main/team

... of EFR Advisors Inc. of Oak Brook, Illinois, where he advised clients on managing their wealth and investing their retirement funds for more than 10 years. 32 years of experience in the investment ...

Medicare Analysis

Created on Wednesday, 06 October 2010. Posted in main/Life After 65

... assignment. The world of Medicare has changed in the last few years and more changes are on the way! We help all of this make sense to you and work with you to make the best choice for coverage given your ...

Social Security Analysis

Created on Wednesday, 06 October 2010. Posted in main/Life After 65

Making the right election can add thousands of dollars to your income during your retirement years. It can also mean greater protection for the surviving spouse. And here we are talking more than a simple ...

Our Approach

Created on Wednesday, 06 October 2010. Posted in main/about

... reason – nowadays the markets change too quickly. The market beating strategy of two years ago is often the underperformer of today. To us, investing is a long voyage – small changes during the course ...