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By Carol J. Flemma, Director of Long-term Care Marketing, Northwestern Mutual Life
Once upon a time, in the mid-1980s, LTC insurance coverages were limited to nursing homes or home health care. Not anymore. Here’s a close look at long-term care options.
By Edward W. Ramsell, CLU
"This story is true," I began. "I swear! I've heard it too many times for it not to be true. In fact, I tried to track it down years ago. I never met the guys personally; they may be long dead by now. But every manager I talked to knew the story and swore it was true. Everyone knew a guy who tried the experiment himself. It was-it is-true and that's it. Period."
By Janet C. Arrowood
Dividing property and assets to satisfy state laws and both spouses is not an easy task under the best of circumstances. In this column, I will consider the “simple” case of a 50-50 split of all assets. This is not intended to be tax advice, or to take the place of competent legal counsel or the services of a CPA or tax advisor. As financial advisors, we can do our clients a great service, and develop valuable contacts with CPAs, attorneys, arbitrators and mediators, if we take the time to familiarize ourselves with this simple example.
By John J. Scroggin, J.D., LL.M.
When looking for a trustee, we tell clients to start with family, then review friends, then look at professional advisors and finally look at institutional trustees. The trustees may also be given the authority to hire a third party or trust department to handle certain administrative functions.
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