Senior Housing: Exploring Independent Living, Assisted Living, CCRCs, and Skilled Nursing

As people age, they often face an on-going decision of where to live. For many seniors, the thought of leaving their homes and downsizing to a smaller space is daunting. However, there are a variety of senior housing options that can meet the needs of older adults at different stages of their lives while ensuring their health needs are met at the same time. Therefore, we will be exploring the current differences between independent living, assisted living, continuing care retirement communities (CCRCs), and skilled nursing, as well as their average costs.

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Donating Your Business Interest to Charity Before You Exit

The prospect of retiring and selling a business can be a daunting task for business owners. After dedicating their careers to building their company, the process of selling their interests can be complex and overwhelming, especially if the business has significantly increased in value.  This article will explore why an LOI is valuable, the benefits and pitfalls of donating stock to a DAF, and how to make the most of this strategy.

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Investing During a Market Decline: 7 Strategies for Managing Your Portfolio

As investors, it's natural to feel uneasy when the market experiences a decline. After all, studies have shown that the brain processes both mortal danger and financial loss in the same area. But it goes without saying that it’s vital that we keep our emotions, and our investment decisions separate during volatile periods in the market. 

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Navigating Layoffs: What Employees Should Consider and How Employers Can Help

Being unexpectedly laid off comes with a host of challenges, but if you find yourself in this situation, you can take the necessary steps to ensure your financial security. By understanding your options for your retirement plan and health insurance and managing cash flow, you can minimize the economic impact of unemployment. 

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Exploring the Differences Between Private & Public Foundations: A Guide to Charitable Giving

Published in the Baltimore Business Journal on February 3, 2023

Whether you're a seasoned philanthropist or new to charitable giving, understanding the key differences between private and public foundations can help you make informed decisions about your charitable giving strategies.

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The Surprising Benefits of Maintaining Close Relationships in Retirement

Retirement is often thought of as a time to kick back and relax, but did you know that having close relationships during this phase of life can actually provide a ton of benefits? Research shows that strong social connections can improve both your mental and physical health, lower your risk of depression and cognitive decline, and even increase your lifespan. Yeah, you read that right – having friends and loved ones around can actually help you live longer.

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What to Consider If You Receive a Premium Increase Notice for Your Long-Term Care Policy

Next to a notice from the IRS, one of the more unsettling letters a person could receive is a notification from their insurance company informing them that their Long-Term Care (LTC) insurance premium will be increasing. Before jumping to conclusions or making a costly mistake (such as dropping your coverage), it’s essential to know that this premium increase is not about you

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Should Inflation Change Your Holiday Spending?

There is no denying that inflation is top of mind for everyone right now, especially as we approach the holidays. But, before you mark everyone on your list as “naughty” to avoid breaking the bank, let’s take a look at what you can do to approach the holiday season with confidence despite the rising cost of goods and services.

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Have I Saved ‘Enough’ to Retire?

Published in the Baltimore Business Journal on November 10, 2022

Running out of money in retirement is a rational fear, and many of today’s workers are feeling it, especially post-COVID. According to Gallup, 63% of American adults surveyed in April 2022 were “very worried” or “moderately worried” about having ‘enough’ to retire when or how they would like.

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Recession? Who Cares?

In the past several months, the financial world has been fixated on whether the U.S. economy is in a recession or whether one may be imminent. 

So, are we in a recession according to the technical definition, or are we waiting for more economic indicators to line up according to the NBER? Why should we care? More on that later. But first, we'll explore the two definitions of a recession.


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