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Author Archives: Jay Butchko

Mirror_Age

How To Face Your Fears About Retirement

By David Toback |

Most people retire earlier than they plan to, but not you.  A common piece of retirement advice goes that, when you are 61, you should count the number of years you want to continue working and divide that number in half to find out how soon you will probably retire.  Since you have no… Read More »

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ChessMove

Precautionary Moves To Prevent Or Simplify Probate Disputes

By David Toback |

You have spent years trying to keep the peace between your feuding family members, and you have reached the conclusion that you only have a limited amount of time on Earth.  Meanwhile, you figured out long ago that your financial resources are limited.  Even with the nimblest estate planning sleight of hand, there is… Read More »

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Probate8

Are You Prepared For The Time And Cost Of Probate?

By David Toback |

It is for good reason that people say that your 40s and 50s are the most stressful time in your life.  You are part of the “sandwich generation,” caring simultaneously for your children and your parents; both generations sometimes seem like they don’t need your help, only to catch you off guard with their… Read More »

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SeniorCoupleBeach2

Florida’s Sun Coast Never Goes Out Of Style As A Retirement Destination

By David Toback |

If you are looking for a peaceful, affordable place to retire, you could do worse than Florida’s Sun Coast.  The Sun Coast gets its name from the fact that it has, on average, more sunny days per year than anywhere else in Florida, making it one of the sunniest places in the United States. … Read More »

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Insurance7

Practical Gifts To Celebrate Your Retirement

By David Toback |

Being boring is underrated.  Boring gift recipients are the best kind.  It’s stressful to buy gifts for adults because they might take them the wrong way; they might think your gift is a subtle criticism about their appearance or financial habits.  The most fun adult relative to buy gifts for is the one who… Read More »

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SeniorMad2

When Seniors Try To Get Dental Care, Medicare Only Bares Its Teeth And Snarls

By David Toback |

Almost everyone dreads going to the dentist, but you must admit that the advances in dentistry over the past decades have made the experience less pleasant than it used to be when you were young.  If you have to do extensive dental work, dentists will use intravenous sedation, so you will only fall asleep… Read More »

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DebtHouse

Would You Take On Debt To Retire To Florida?

By David Toback |

Retirement is supposed to be about getting out of the rat race.  After you have spent decades basing all of your decisions on money, you are looking forward to thinking about something else for once.  That means no more keeping up with the Joneses, no more risky investments and backup plans for survival if… Read More »

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401K

Keeping Money In Your 401(k) After You Retire Can Make Your Savings Last Longer

By David Toback |

It is not possible to make detailed financial plans about your retirement until you decide what age you plan to retire and when you plan to begin drawing Social Security benefits.  If you have an employer provided 401(k) retirement account, then between this and your Social Security retirement income, you can probably afford a… Read More »

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EmptyNest

Your Decision To Sell Your Empty Nest Just Got $10,000 Easier

By David Toback |

The percentage of Americans who continue working for as long as their health allows and then retire with little or no savings, and it is likely only to get bigger, but another major reason why the Americans over the age of 65 who remain in the workforce are still there is inertia.  It is… Read More »

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LLC2

Is The LLC Business Structure The Most Underrated Estate Planning Tool?

By David Toback |

The Internet is full of advice about how you should choose the limited liability company (LLC) business structure if you are about to establish a business.  The authors of these advice articles seem to assume that you know next to nothing about business, and that your LLC will inevitably go bankrupt within five years. … Read More »

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