Selecting the best care option for your loved one with memory challenges

submitted by Callista Oberholtzer, Admissions Director, Spring Village of Floral Vale

The Alzheimer’s Association reminds us in their literature that “everyone with a brain is at risk for Alzheimer’s.” This is a hard reality. Currently there are five million Americans living with Alzheimer’s.

If Alzheimer’s or a related dementia has touched your life, you are not alone.

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The transition into retirement

submitted by Rosemary G. Caligiuri, CASL™, President, Harvest Group Financial Services

What is it? The transition into retirement is when you are changing from your full-time working years to your retirement years. If retirement is approaching, you may have to make numerous decisions. Can you afford to retire? What about early retirement – is it a possibility? If you want to continue working, are there other considerations? Your first step is to review your sources of retirement income and estimate your retirement needs.

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The transition into retirement

submitted by Rosemary G. Caligiuri, CASL™, President, Harvest Group Financial Services

The transition into retirement is when you are changing from your full-time working years to your retirement years. If retirement is approaching, you may have to make numerous decisions. Can you afford to retire? What about early retirement – is it a possibility? If you want to continue working, are there other considerations? Your first step is to review your sources of retirement income and estimate your retirement needs.

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I think it’s time to start planning for retirement. Where do I begin?

submitted by Rosemary G. Caligiuri, CASL™, President, Harvest Group Financial Services

Although most of us recognize the importance of sound retirement planning, few of us embrace the nitty-gritty work involved. With thousands of investment possibilities, complex rules governing retirement plans, and so on, most people don’t even know where to begin. Here are some suggestions to help you get started.

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Can I use life insurance to help me save for retirement?

submitted by Rosemary G. Caligiuri, CASL™, President, Harvest Group Financial Services

If you’re close to retirement and have a life insurance policy with sufficient cash value, you can use that cash to help finance your retirement. But if you’re young and looking for a savings program for your retirement, there may be better ways than using life insurance.

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Divorce Q & A

submitted by Carla V. Risoldi, LLC, risoldilawoffices.com

Q.  I pay child support through the court system. I recently changed jobs and make more money due to overtime. What are my obligations?

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Do your investments match your risk tolerance?

submitted by Rosemary G. Caligiuri, CASL™, President, Harvest Group Financial Services

When turbulence hits Wall Street, are you stressed out? If you have taken on too much risk in your portfolio – which can happen through intention or inattention – stock market volatility may make you anxious.* So from time to time, it is a good idea to review how your assets are invested. **Your asset allocation should correspond to your tolerance for risk, and if it doesn’t, it should be adjusted.  

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Some helpful tips on long-term care insurance

submitted by Rosemary G. Caligiuri, CASL™, President, Harvest Group Financial Services

Your goals and priorities will probably change as you plan to retire. Along with them, your insurance needs may change as well. Retirement is typically a good time to review the different parts of your insurance program and make any changes that might be needed.

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