In What Group Do You Fall?

  • What is the best way to merge to overall family finances?
  • Do we need a joint bank account?
  • Who will pay the bills in the family?
  • Do we have/keep separate credit cards?
  • What is the best way to build our family budget?
  • How do we minimize our federal and state income taxes?
  • Should we buy a new home?
  • If we own two homes, should we rent the one we don’t’ live in?
  • Do we change beneficiaries on our retirement plans?
  • Should we be on just one of our health insurance plans?
  • How much should we be saving for retirement?
  • What is the best way to handle our student loans?
  • Do we need a will?

  • Do both of us need to keep working? How can we live on one income?
  • What is the best strategy to pay for day care?
  • Should we get a 529 plan?
  • Can you advise on the best way to get scholarships and federal aid?
  • How much should we be saving for our kids college education?
  • Can we afford to send our children to private high school?
  • What size home is the smartest for our overall budget?
  • What is the best way to maximize the benefits we get through work?
  • How much life insurance do we need? Term or cash value?
  • Is it smart to get disability insurance through work?
  • What amount should we be saving for retirement?
  • How do we minimize our federal and state income taxes?
  • What is the best age to start teaching our kids about money?
  • What happens if we split up and get divorced?

  • What assets should we make joint?
  • Whose name should end up going on the house and mortgage?
  • Should we change beneficiaries on our retirement accounts?
  • Do the rules in my state affect my financial situation?
  • What happens if we split up?
  • Should we create a will?  A power of attorney?
  • What should we do about our company benefits?
  • What if I loan money to my partner?
  • What will happen to our social security down the road?
  • Is it smart to get a joint credit card?
  • What if one of us has a child? Does that affect our estate plan?
  • How should we best make family financial decisions?

  • How can I recreate my current paycheck in retirement?
  • Will I run out of money when I make work optional?
  • Do I need long term care insurance?
  • What is the best way to tap into my IRA’s and Roth IRA’s
  • Should I use the catch-up provision on my 401(k) plan?
  • Is it a good idea to look at doing an in-service distribution?
  • What is the best way to talk to mom and dad about their future plans?
  • How long should I hold on to my current life insurance?
  • Should I look into getting a living trust?
  • Is it best to sell my current home and downsize?
  • What about the idea of getting a reverse mortgage?
  • Should I convert some of my IRA’s to a Roth IRA?
  • When should I start taking my social security?
  • Is it smart for my spouse or partner to wait to take social security?

 

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