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Author Archives: Gary S. Williams

Include long-term care in retirement plans (access required)

Current estimates from American Association of Retired Persons put the annual cost of a private nursing home room at a national average of $78,000. As older Americans are still struggling to reassemble their retirement plans from the worst economic downturn ...

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Train your college freshman in finance (access required)

The National Center for Public Policy and Higher Education reported last December that college tuition and fees increased 439 percent from 1982 to 2007 while median family income rose 147 percent. The report also noted that student borrowing has almost ...

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Financial planning for your entire life (access required)

If the term “financial planners” evokes visions of equities and equity mutual funds – selected to implement financial plans they developed for clients in accordance with their investment goals and tolerance for investment risk – it should not be surprising. ...

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Financial Planning For The Self-Employed (access required)

Given today’s economic landscape, job security is not what it used to be. Fewer firms are offering pension plans, many are cutting back on medical benefits and others are outsourcing at least a percentage of their work. As a result, ...

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Making joint retirement a reality for you and yours (access required)

It’s bound to happen at some point for working couples. One spouse gets the itch to retire or is forced to retire because of poor health or job loss. Since couples typically like to retire together, tough questions emerge: Should ...

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Avoid A Medical Financial Disaster (access required)

The inability to pay mounting medical bills was the main cause for filing nearly half of all personal bankruptcies in 2004, according to a study recently released by Harvard University’s medical and law schools. So what can you do to ...

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