National Healthcare Decisions Day

We all know the significance of April 15th each year, but do you know why April 16th is also important for you and your family?  April 16th is National Healthcare Decisions Day.  The goal of this “National” day is to inspire, educate and empower the public about the importance of advance care planning.  Advance care planning involves taking the time to carefully consider and document your preferences around end-of life care.  It also includes the act of legally designating and empowering an agent to make healthcare decisions on your behalf if you were to become unable to do so for yourself. Although these can be uncomfortable topics to consider, approaching these conversations proactively will allow you to stay in better control of the future, whether you are able to personally voice your preferences, or are reliant on someone else.  The primary benefits of advance care planning include; Careful consideration of your wants and desires at end-of-life Documentation of those desires, including life-sustaining measures to be avoided or applied Requests for specific comfort measures , surroundings or companions as death approaches Read on! →

Top 5 Financial To-Dos in January

As you reflect on the year you’ve had personally, professionally, and financially in 2014, are you any closer to reaching your goals? Whether or not you view 2014 as a success, the year-end presents an opportunity to reflect and start anew with a clean slate for the year ahead.  If you’re wondering what steps you can take to get ahead in the New Year, here are 5 simple financial to-dos that won’t leave you feeling like you’ve bitten off more than you can chew. Review your net worth and check in on your goals The number one way to start 2015 off on solid footing is to know where you stand financially. Reflect on the past year and assess your current financial situation compared to where you’d hoped you would be at the end of 2014. And what’s the best way to do that? Create a balance sheet, otherwise known as your net worth statement. This statement is a snapshot in time of all your current assets versus your liabilities/debt. If you have a handle on your finances and know Read on! →

The Best Gift for Your Family

The holidays provide an opportunity to spend quality time with family and friends. As you enjoy the company of your loved ones this holiday season, take a moment to reflect on the planning that should be done to prepare for the unexpected and protect your family. If something happened to you, would your loved ones be taken care of? Have you had open family discussions about income protection in the event of job loss, disability, or death? Do you plan to leave an inheritance, and who will be in charge of the execution of your estate? What if you have a health issue, do you have proper Health Care Powers of Attorney in place, and is your family aware of what role they have been designated to play? Remember, part of the process of implementing your financial plan involves informing your loved ones of your decisions to ensure proper execution of your wishes and avoid family turmoil in the future. What better time than when surrounded by family and friends to remind us to review our coverages/documents and to have Read on! →

Meaningful conversations for the holidays

With Thanksgiving Day only one week away and the streets abuzz with holiday spirit, it is easy to get consumed by the busyness of the holidays. We encourage you this season, amidst the shopping shuffle and the corporate holiday parties, to pause. Take time this year to reflect on the people and the relationships that are most important to you. Every family is different and there is no one-size-fits-all solution to a family’s situation – whether family members are estranged or everyone is “thick as thieves,” take the opportunity this year to have meaningful conversations with your loved ones. Reflect on memories – appreciate the tough moments that have made your relationships stronger and be grateful for the memories that make you laugh. Most importantly though, share your thoughts and feelings with the ones you love, because we never know how short life might be. As you enjoy the company of family and friends during the holidays, pause for a moment to consider the following: 1.  If something happens to me, will my loved ones be taken care of? While Read on! →