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Things to Think about in the New Year

We’ve done it again! We’re saying good-bye to the “Old Year” and welcoming in the “New Year”. This year to celebrate, instead of making New Year’s Resolutions (which rarely last past January 3rd) I’ve prepared my: List of Things to think about in the New Year: Is there a trip I’d like to take?  Yes – to anywhere!!!Are there any books I’d like to read? Need to visit the Library – haven’t been in ages!What movies would I like to see? Anything – can’t


Anyone who knows me well knows how much I love words; how they sound, what they mean, how they look on the page.  To me, November brings to mind the words “Thankful” and “Grateful”. The Oxford Dictionary defines “thankful” as “pleased and relieved”; it defines the word “grateful” as “showing an appreciation of kindness”.  I was surprised; I’d always used the words interchangeably. However, according to the Oxford Dictionary it appears that being thankful is a feeling and being grateful is

Special Needs Trust

Many of us have family members with disabilities and/or long-term diseases that bring about hard situations requiring difficult decisions. If your family includes someone with special needs, you may benefit from having a plan for this family member. Many don’t know that Special Needs Planning is indeed a form of financial planning, and we often help our clients navigate this difficult situation. Special needs planning is the process of providing for the personal and financial security and well-being of an individual

MEDICARE Plans – Unique features

It would be easier if all Medicare Plans were exactly the same. The core of which, i.e., Original Medicare is the same. The differences come in the Medicare Advantage Plans that have become increasingly popular over the last 18 years. The origins of Medicare Advantage (also known as Medicare Part C) go back to the 1970s. At that time, beneficiaries could receive managed care through private insurance companies. In 1997 the program, then called “Medicare Choice,” became official with the passing

The significance of May 29th (or 5/29)

At this time of the Year, we are yearning for Spring, a new beginning. A variety of buds poke through the ground and remind us that there soon will be blossoms. By the time you read this, daffodils, crocus and tulips will, in all likelihood, have come and gone. The past year has helped to re-prioritize so many aspects of our lives. We have learned to ‘mask-up’, socially distance and schedule our times to be vaccinated. And now, with hope, a

Plan B – Building Resilience

Resilient: Capable of withstanding shock without permanent deformation or rupture; Tending to recover from or adjust easily to misfortune or change.From Merriam-Webster Yesterday my coach told me that her mantra for this month is “resilience”.  She explained – in her training, there are days where it seems like all goes well, and others where for a multitude of reasons it may not.  However, if she has a plan in place, she can adjust to absorb these “shocks” and continue with her

Wow, was 2020 a challenge!

It is difficult looking back on 2020 without feeling a sense of being both overwhelmed and somewhat unsettled.  It was a difficult year filled with the uncertainties of COVID-19 and a vaccine.  The fears that we felt, the lack of clarity and the stresses emerging with regard to economic instability, each provided a sense of normlessness. Moreover, we cannot forget the masks and social isolation that interrupted our ordinary routines and lives. Some of us experienced the joyous events of weddings

“Don’t let the sun go down without saying thank you…”


“Don’t let the sun go down without saying thank you to someone, and without admitting to yourself that absolutely no one gets this far alone.”   Stephen King We have all heard that “an attitude of gratitude” will improve our daily outlook. That we should approach every situation looking for that silver lining, or the positive in a field of negatives. In a year like this one has been, that can be incredibly difficult! I found this quote from one of my favorite authors


In volatile times, remember your time horizon; follow facts not feelings; and, if needed, reposition gradually Within a matter of weeks, the spreading Coronavirus, tumbling oil prices, recession fears, alarming headlines, and a 10-year Treasury yield well under 1% have thrown a record-high S&P® 500 index into, at least, temporary turmoil. In many corners of the market, the bulls’ decade-long ebullience has been swiftly replaced by palpable panic. To borrow from Britain’s World War II motivational poster, now is the time for

Investing in a Volatile Market

Coming to Terms with Stock Market Volatility There’s no getting around it. The stock market is volatile. Every day the stock market goes up and down in reaction to any number of issues involving business, the economy, or geopolitical events. Most of the time investors take the market’s ups and downs in stride. It’s only when the market declines substantially that investors can become unnerved and make decisions that can be harmful to their long-term retirement portfolios. To understand market volatility, it’s