Over the past few weeks, there has been an incredible amount of commentary focused on the use of averages with respect to retirement income planning.  If you haven’t been paying attention to what “financial guru” Dave Ramsey thinks about the 4% withdrawal rate, you might want to take a look.   One thing for certain,... Continue Reading →

Over the last few weeks, I shared information about costs and durations of care.  I also shared a little bit of an editorial opinion about the dangers of planning for the average.  Today, I want to share with you a true story that hist close to home. To set the groundwork, we will be talking... Continue Reading →

Last week, I shared with you the OneAmerica interactive cost-of-care map.  Today, I want to apply some of the data from there and share a what-if scenario. Before we jump into this, I want to share a few pieces of data with you.  The intent here is to help you get your arms around average... Continue Reading →

Before we get into this week's Fridays with Fisher, I want to remind you that a NEW Care Solutions Coffee Break is out. This month's topic is having "the conversation" and a few ideas that might be helpful. I’m not sharing something new with you, but I am reminding you that you have a boatload... Continue Reading →

November is LTC Awareness Month. Frankly, I think that when we dedicate days or months to specific causes we don't really improve the awareness. It may actually be a buzz-kill since there are so many cause focused months. Instead, as financial professionals, we should be including long term care awareness into every client conversation that... Continue Reading →

This past week, we offered up another Care Solutions University. One part of the discussion was the Asset Care opportunity that the SECURE Act presents for clients inheriting IRAs. As you will recall, the SECURE Act put in place a requirement to withdraw the full balance within 10 years from inherited non-spousal IRAs. And, ONLY... Continue Reading →