What You Say Matters

talking to children about divorce

In our work, we often assist parents who are trying survive and thrive through their divorce and they express a deep need to protect their children from what we all know as one of life’s toughest transitions.  Depending on the age of the kids, we may judge their ability to digest what is happening.  It’s…

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What to Do When Your Term Life Insurance Is Expiring

Life Insurance

In an ideal world, you buy life insurance when your kids are young or you’ve purchased your first home, and you need the coverage only for about 20 years. By the time your policy nears the end of its term, your kids are on their own, your house is mostly paid off, and you’ve accumulated…

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There Is Fat In Broccoli?

healthy personal finance

There is!  Of the 33 calories in a cup of broccoli, there is .33 grams of fat, 2.48 grams of protein and 5.84 grams of carbohydrates (the good ones).  This sweet treat (1.50 grams of sugar) also has 2.3 grams of fiber.  Avocado, technically a fruit has 7.71 grams of fat per <2 oz. serving. …

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How to Replace Willpower in Spending

Willpower and Healthy Money Habits - Bonnie Sewell - American Capital Planning

Nobody dropped out of our plant-based lifestyle group class after the first week.  Comparing notes, others lost 5 lbs. just like I did.  Changing habits is a universal challenge among the classmates I spoke to.  Not eating any dairy, meat, or any other animal products along with no sugar, no oil and no added salt…

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Healthy Money Habits: How to Make Change Stick

Healthy Money Habits - American Capital Planning

Change is hard.  And change is slow.  At least this is true for me and the changes I’m trying to make permanent when it comes to healthy eating.  I have incentives: age, appearance, and most importantly, ankles.  My two titanium ankles are constantly asking me to “lighten up”.  I know what to do, yet I…

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Critical Mistakes to Avoid After Divorce

Unfortunate fact: a woman’s standard of living, on average, goes down by almost 30% after divorce. If you are a woman in this unfortunate situation, seek care and consideration from a financial adviser with expertise in helping clients going through a divorce. Understanding what women face financially after such a big transition includes recognizing the settlement they…

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IRS, Crypto Currencies, and Your Divorce

In our divorce workshops this past weekend, we shared information on tax reform and the impact on divorce settlements.  Consider this, however – the best tax planning under the new law could become perilous if the regime changes as early as midterm elections.  The next potential upheaval would be 2020 after that and, of course, except…

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Using an SPIA to Purchase Life Insurance

Submitted by DYSNYD Because we also work with older, high net worth clients, we have uncovered the need for life insurance, either to provide estate liquidity or for the purpose of increasing a family legacy. Whatever the reason, a life insurance policy is a major purchase for older clients, often requiring the payment of large…

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