Live A Life By Design Blog

Many families lack the capabilities to replace the income for their household when they lose a spouse. Depending upon the circumstances, there are many options to prepare for and replace the income from your spouse.  First, life insurance is a means of replacing income by receiving, mostly if not all, tax-free income from an insurance […]

If you are like many of our clients, prior to retiring, you are concerned about the process and ability to continue your current lifestyle after discontinuing your career. This is a valid concern and one that we address with every client considering retirement. To provide confidence and courage to initiate this important step, and truly […]

The DJIA, S&P500, Russell 2000, Nasdaq Composite, etc. There are hundreds of indices that report on a variety of investments. Which is the most appropriate for your family? How do you know if your investments are performing in a manner that will help you reach your goals? Keep reading, we have the answer. While assisting […]

As we presented in the last article, we will focus, in this article, on the simple steps anyone can take to improve their retirement planning strategy. Time is of the essence. If you feel you have not saved well for retirement, by making these three simple steps a habit now, you will reap exponential benefits […]

Too many people give up on their dream retirement simply because they started too late (or so they think). One of the greatest opportunities to change your future to what you wish it to be is … to start today! Often, we experience a client that wishes to retire at age 65 and have saved […]

One of the most complex benefits provided by the federal government is Medicare. Numerous elections that affect your lifetime benefits cause people much anxiety. You will learn when and why to file for certain benefits under the Medicare laws in this article. While working, employers generally provide health insurance benefits for its employees. The coverages […]

In the past 50 years, our world has seen exponential change that affects all aspects of life. We now have more than 4 billion people using the internet for some purpose – work, purchasing, medical, research, etc. Have you found a pay phone in your community? Whereas, these devices were found on each corner, now […]

Recently, many American citizens have been subjected to tornadoes, flooding and other natural disasters. During these times of stress, it is critical to possess a plan that helps you stay focused and prevent panic. We believe the best time to prepare for inclement weather is during the time of sunny days.  The first item on […]

Happy Father’s Day to all fathers reading this column! This is your special day. You may be wondering what a financial column and Father’s Day have in common. From the days of the founding of our country, fathers have played a special role in the family unit. In the past, fathers were the breadwinners of […]

Have you looked at your calendar lately? If many of you are like me, the days seem to be passing quicker than I experienced in my younger days. Now, I am not focusing on the topic of aging. I am, however, focusing on the more important aspect of time – maximizing the enjoyment of time’s […]