Your last will and testament may sound like the definitive word on your estate. But while it’s important to have your basics covered, truly effective estate planning runs much deeper than just assigning assets and finding a notary. Here are three questions we help clients answer so that their estate plans leave behind a… Read more »
WIVB interviewed Tony Ogorek about how the high inflation rates are affecting consumers. Watch the Interview
One of the benefits of having a couple of days off a week is that it affords me the opportunity to read more. I came across an article in the Journal of Financial Planning August 2021 issue entitled “How Life Changes Affect Client Behavior,” that confirmed my belief that our clients are increasingly relying on us not… Read more »
Your IRA and 401(k) haven’t magically grown all by themselves. Your nest egg is the result of years of planning and hard work. Unfortunately, many seniors don’t realize that their retirement schedules aren’t going to fill themselves in either. Our most successful retirees have put just as much thought and preparation into how they’ll… Read more »
If you’ve been living in your home for any length of time you have probably accumulated a lot of STUFF in your garage, basement or attic. You may have saved items for a future that never came, or just hung onto things for sentimental reasons. The trigger for cleaning up our act is usually… Read more »
Today’s retirees face a radically different landscape relative to previous generations. When Social Security was enacted in 1935, the full retirement age was 65. This is an arbitrary number set by legislation, but now is engraved in the consciousness of the working population as the age when they can “get out.” Retirement has been… Read more »
What is the best strategy to achieve your charitable giving goals? That question makes some generous people feel uncomfortable. But considering things like long-term charitable giving budgets, estate planning, and tax ramifications doesn’t make your gifts any less genuine. In fact, a comprehensive giving strategy can help you and your heirs make a sustainable… Read more »
It should come as no surprise that Christmas is the make or break season for the retail sector of our economy. With Halloween barely over, stores transformed with holiday decor begin their relentless push to buy, buy, buy. If you didn’t know what to buy, you could tune in on Thanksgiving to the three hour… Read more »
An important part of your retirement plan is a discussion of the benefits of working, regardless of age. Retirement is no longer an event––it is a segue into an altered definition of life as you know it. One definition of “work” is that it consists of actions that bring value to others and meaning… Read more »
