by jofseyer
Combining Term and Permanent Life Insurance
There are two basic types of life insurance: Term and permanent. Term life insurance provides temporary insurance coverage for a specific term. There is no cash value in the policy, and the policy’s death …
by jofseyer
Figuring Out the College Payoff
If you have a child or grandchild approaching college age, you may be wondering if an Ivy League education is really worth the steep price of admission. Will a diploma from an elite college guarantee …
by jofseyer
Estate Protection Plan / 2007 Tax Tips
We are pleased to announce an exciting new employee benefit program we are making available to employers, business owners, community organizations, and business associations in the Coachella Valley.
The Estate Protection Plan (EPP) …
by jofseyer
Ask the Experts: What is a postnuptial agreement?
A postnuptial agreement is a legally binding contract between a husband and wife. It’s similar to a prenuptial agreement, but it’s signed during the marriage, not before. Its primary purpose is to …
by jofseyer
Ask the Experts: Should I have a prenuptial agreement?
Although no one gets married with plans to divorce, the sad truth is that many marriages do end that way. For some couples, it can be prudent to have a prenuptial …
by jofseyer
Grandparents Help with Ever-Rising College Costs
As the cost of a college education continues to climb, many grandparents are stepping in to help. This trend is expected to accelerate as baby boomers, most of whom went to college, become grandparents …
by jofseyer
The Power of a Dynasty Trust
Early in the twentieth century, the United States began taxing wealth transfers under the gift and estate tax system. This system was designed to impose tax on each and every generation (father to son, …
by jofseyer
Strategies for Handling Market Volatility
Keeping your cool can be hard to do when the market goes on one of its periodic roller-coaster rides. It’s useful to have strategies in place that prepare you both financially and psychologically to handle …
by jofseyer
Ask the Experts: Are electronic records the same thing as paper records?
The number of people using their computers to prepare tax returns and manage investments has skyrocketed in recent years. In fact, many people have completely eliminated the paper …
by jofseyer
Ask the Experts: How long should I keep my financial records?
The answer depends on the type of financial record. Here’s a general guide:
Tax records — Most financial professionals recommend keeping your tax records for up to seven years. …