If you have young children, you might think that just creating a last will and naming a guardian who will love and provide for them is sufficient protection in the event that something happens to you while they are still young and dependent on you. However, if you...
Creating an estate plan can give you peace of mind at any stage of life. If you pass away unexpectedly, your estate plan ensures that your loved ones have the support they need, your children will have a loving home and your business remains secure and prosperous....
Whether your estate plan involves a straightforward will or a more complex plan of trusts, living wills and other documents, that plan can give you confidence that you are prepared for the future. You can also be confident that you are more prepared than many others;...
Although it’s unpleasant to think about the possibility of your health declining, some form of long-term care will be part of the future for many aging Americans. Medicaid’s community care program, which facilitates home care, is undergoing a change to its eligibility...
Nursing homes cost a small fortune to provide care, but they might be a necessity for your loved ones. Medicaid limits could make it hard for some to get help covering costs, but annuities may hold the answer you need. A shared room in a care facility in Rochester...
When your family is in trouble, you are there to respond to any needs they have. If an illness or injury leaves your children or spouse unable to speak, you consult with the doctors to ensure they receive the proper treatment they need. But what happens when something...
You’ve taken the next step in life and had a child. You have started preparing for the reality of a new present, buying a crib, a carrier, a stroller, diapers and much more. You want to be ready for everything with your new bundle of joy. But what about preparing for...
After years of building up your assets to take care of your family, you may feel proud that you can bequeath a substantial inheritance. But as you get along in years, you may eventually need care in your home or a nursing facility. With costs for care as high as...
It’s an incredibly challenging transition to go from dealing with your parent as their child and peer to having to take on a role of authority with them. Some people refer to this period as having to become a parent to your parent, and the analogy is not far off. Many...
Medicaid is a state and federal program that can help you cover the costs of health care as you age. It is meant to aid those with limited income, so often people assume that they are not eligible to receive Medicaid help just because they own a house or other...
