Are you thinking about setting up a trust as part of your estate plan? Trusts have many benefits for protecting assets and managing wealth, but they also have some big problems that you should think about carefully. I’ve helped many clients navigate these waters, and I always make sure they understand both sides of the … Read more
So you’ve managed to save up $200000? First off, let me say congrats! That’s seriously impressive in today’s economy where most folks are struggling just to keep their heads above water. Having this kind of cash sitting around is both exciting and a bit nerve-wracking. You’re probably wondering, “What should I do with 200K savings?” … Read more
Retirement can evoke s of a relaxing, debt-free life with no monthly mortgage payment, assuming you have already paid it off. However, some financial planners suggest retirees continue to carry a mortgage into and throughout retirement. Reinvesting the proceeds from your home equity to generate a stream of income might make your golden years more … Read more
The Trust Dilemma: Essential Protection or Unnecessary Expense? Let’s face it – when it comes to estate planning, there’s a ton of confusion out there. I’ve spent countless hours researching trusts, and I’m gonna give it to you straight: some people absolutely need a trust, while others are wasting their money. Truth is, attorneys sometimes … Read more
You’re not the only one who wants to retire at 55 with their stethoscope or hospital badge. A lot of people who work for the NHS wish they could leave the demanding healthcare world early. You can retire at age 55 with an NHS pension, which is good news. But there are important conditions, reductions, … Read more
Are you stuck between choosing an annuity or a certificate of deposit (CD) for your savings strategy? You’re not alone! I’ve been researching these financial products extensively to help my clients make better decisions with their money and I’m excited to share what I’ve discovered. Annuities and CDs both offer safe and guaranteed returns, but … Read more
If youve left a previous job and decided what to do with the money in your former employers retirement plan, take a moment to feel proud. There are many complex factors to consider so giving the decision time and consideration is important. Don’t be hard on yourself if you’re still not sure what to do … Read more
Tina is in charge of the Citizens Wealth Management financial planning and estate planning team, which is made up of CERTIFIED FINANCIAL PLANNERSTM, estate and tax planners, and trust officers. As a strategic partner, she helps clients deal with and grow in new situations. The idea of being able to spend their days however they … Read more
Becoming a self-made millionaire is a goal for many, but often its shrouded in mystery and misunderstanding. While its no walk in the park, with the right mindset and strategies, its an achievable goal. I believe that the best path to becoming a self-made millionaire is through business ownership. By building a profitable business you … Read more
This publication is licensed under the terms of the Open Government Licence v3. 0 except where otherwise stated. To view this licence, visit nationalarchives. gov. uk/doc/open-government-licence/version/3 or write to the Information Policy Team, The National Archives, Kew, London TW9 4DU, or email: psi@nationalarchives. gov. uk. Where we have identified any third party copyright information you … Read more