“What? You’re retiring?” Name:             Kate Age:                54 Profession:     Newspaper columnist Status:             Working part-time Receiving the sudden news from an employer that you are going to be let go for early retirement is difficult for anyone.  In some cases, it might even be harder for the spouse.  Confidence and happy anticipation can take a big hit when…

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So…will you be paying with credit or debit?  How many times have you heard that before?  As consumers, I’d venture to say that we probably utilize credit card services on a daily basis.  Whether we’re buying groceries, shopping at our favorite clothing store, or simply going to an ATM, we are pushing our personal data…

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A recent column of mine discussed revocable living trusts and how they may ensure control and privacy of your estate. If you’re not looking to control assets from the grave, and your objective is to simply avoid probate in order to make life easier for executors and beneficiaries, then there are alternatives to trust-based estate…

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Imagine it’s the year 2000, and Sam and Pam Smith have a combined estate valued at $1.35 million, with each owning $675,000 in assets individually. Knowing there’s an unlimited marital deduction (spouses can transfer an unlimited amount of assets to each other without incurring gift or estate taxes), Sam and Pam Smith’s estate plan consisted…

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