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Recent Blog Posts


Who Needs An Estate Plan When You Have Life Insurance?

By William Rambaum, P.A. |

Life insurance is one of the least fun things a person can buy.  It invites gallows humor, like, “I’m worth more dead than I am alive.”  As people return to social events after a year of isolation where there was nothing to do but watch newscasters count the number of people who had died… Read More »


Gender-Related Estate Planning Challenges For Women

By William Rambaum, P.A. |

It is an understatement that women hear so many mixed messages about health, finances, and interpersonal relationships that the only way to stay sane is to tune them all out.  Most maddening is being told to live in the moment by being told that you have to be prepared for everything.  After years of… Read More »


The Case For Delaying Retirement

By William Rambaum, P.A. |

After a year of social isolation, it feels amazing to social in person with anyone, even people you don’t particularly like.  If anything, when a live person is in your presence, a lot of people’s impulse is to reminisce about the things you are thankful for.  Maybe you are grateful to be back to… Read More »


Turning A Family Business Into A Family Heirloom

By William Rambaum, P.A. |

Some people consider it a dream come true to go into business with their siblings, and some parents’ greatest wish is to retire and see all of their children take over the family business together.  Often, though, family businesses can become a venue for sibling rivalry, and once aunts, uncles, and cousins get involved,… Read More »


Your Decision To Retire Could Save Your Family Immeasurable Heartbreak

By William Rambaum, P.A. |

Every year, when you visit your siblings (or perhaps, every week on the family Zoom call), you enthuse about your job, and your siblings tell you, seriously or in jest, that you could have retired years ago.  Maybe you make a joke about how your spouse has expensive tastes or about how work keeps… Read More »


Your Estate Plan Holds The Key To Resolving Money Conflicts With Your Adult Children

By William Rambaum, P.A. |

By now, you are probably familiar with some of the truisms of estate planning.  Let the 4 percent rule guide you in saving for retirement.  Inheriting from a trust is better than inheriting through probate.  Live it up instead of letting your descendants squander your money after you die.  Give your kids their inheritance… Read More »


Life Insurance Can Help Keep The Peace In Blended Families, But Only If You Let It

By William Rambaum, P.A. |

If you have ever bought life insurance, or even looked for it online and wanted to buy it, then congratulations, you are officially old.  Even if you are not old enough to remember a time when people bought insurance from door-to-door salesmen who gabbed like John Goodman’s character in Barton Fink, you are old… Read More »


The Pre-Retirement Soul Search: Four Questions To Ask Yourself Now

By William Rambaum, P.A. |

The scariest part about retirement is not the financial part; it is that you have to address the questions of what the most important things in your life really are.  It is easy to avoid thinking about these things while you are working.  Even if you have been consistently saving for retirement, even the… Read More »


Seven Florida Nursing Home Residents Fall Victim To Identity Theft In PPP Loan Scam

By William Rambaum, P.A. |

If you are planning to retire soon, then the Paycheck Protection Program (PPP) might not be among the pandemic-related news stories you have been following the most closely.  It is understandable that you might be focused more on which supermarkets have reserved the early morning hours for seniors and other medically vulnerable people or… Read More »


UTMA Accounts Are a Simple Way to Save Money for Your Grandchildren

By William Rambaum, P.A. |

If you are a Baby Boomer, bankrolling your children’s college education was probably no simple task.  Even if you set aside money every month from the time your children were born, even if you diligently researched scholarships and financial aid for which your children were eligible, and even if your children attend universities in… Read More »

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