Let’s be honest: no one wants to spend the holidays in a long-term care facility. It doesn’t matter how wonderful the staff is or how home-like they strive to make the facility feel. The holidays are simply difficult when a loved one isn’t able to be at home - there’s just no way around it.
Those of us who work in the personal finance industry, whether as financial advisors, retirement planners, or in other capacities, have been talking for years about the “retirement crisis.” According to various studies, anywhere from 54% to 80% of American Baby Boomers lack sufficient retirement funds. What’s worse, according to research by GoBankRates, 1 in […]
For many insurance advisors, learning about life settlements can seem overwhelming. It’s a relatively new industry with comprehensive regulations. There are countless other concerns taking up their time and energy. And, because many seniors aren’t aware of the life settlement option, insurance advisors may not see much demand for the information. However, at Ashar, we […]
For retirees who aren’t able to - or don’t want to - re-enter the workforce by taking a part-time job or starting a business, their retirement savings are nearly all they have to rely on. Protecting these savings, therefore, is of paramount importance.
Life insurance is supposed to offer policy owners peace of mind. It’s supposed to provide them with the security that their families will be taken care of after they’re gone. But what if that life insurance policy becomes a burden, instead of a safety net? What if it becomes a source of financial stress, rather […]
Making the decision to move a loved one into a long-term care facility is never easy. However, for many families, doing so is a necessity. The care a loved one needs may be beyond that which a family member can provide, or he or she may not be able to live alone safely any longer.
There’s no question that stress is bad for our health. It’s been proven countless times just how negative chronic stress is for our emotional, physical, and mental well-being. For the most part, stress is stress, no matter where it’s coming from - but there’s something particularly difficult about financial stress. This is especially true for […]
Despite the many complaints that people often have about growing older, there’s a whole lot to enjoy about this stage of life. Don’t believe us? Here are just a few reasons to look forward to your senior years.
When you start caring for your parents, instead of the other way around, all kinds of questions and concerns start to emerge. How do you keep your home safe for them? Do you need to look into assisted living or another form of long-term care? How can you and other family members best ensure that their […]
