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Estate planning is something many people tend to put off as long as possible because most of us consider discussing “the end” an uncomfortable topic. Yet if you reach the end of your life without getting your financial affairs in good order, you’ll risk leaving your heirs with problems that could’ve been avoided, causing them unnecessary stress and uncertainty during a time of grief.

You don’t have to be wealthy to leave behind assets worthy of careful estate planning. You may not be a multimillionaire yet, but your circumstances likely include some complexity that warrants putting a solid plan in place.

Conflicting Signals 

Last week William “Rick” Singer plead guilty to an astonishing college admissions bribery scheme where  college sports coaches were bribed; people were paid to take the SATs and ACTs for the children of celebrities and wealthy families.

We all have our own unique relationship with money. We certainly have our own unique way of both spending and saving money.

However, if you’re ready to start putting some money aside, or looking for tips on money management, or even the best way to pay your bills, the following tips may provide a little bit of help: 

How to use the new (2019) estate & gift tax limits to maximize the transfer of your wealth

The well-known quote ‘’Nothing is certain except death and taxes’’ by Benjamin Franklin remains poignant and certainly rings true for many Americans.  When you give assets in the form of cash, stocks or a car perhaps, the government want to know

If you arrange a mortgage, your lender will want you to have homeowners insurance. This coverage is critical for protecting your home and personal property against various potential liabilities.

If you don't know what happened to your money during the past year, it's time to find out. December and January are the perfect months to look back at what you earned, saved, and spent, as W-2s, account statements, and other year-end financial summaries roll in.

At the end of the month, do you often find yourself with a lot less money than you expected?  Do you have a hard time determining exactly what you spent your money on? Do you feel that you should have more to show for your hard work than you currently do? Are you and your spouse or partner always fighting about money?

ETF Global Daily Perspectives

"For the most part, earnings and market value growth are a result of reduced expenses." Mark V Hurd