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Category Archives: Estate Planning


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 »


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 »


How Your Home Mortgage Fits Into Your Estate Plan

By William Rambaum, P.A. |

Early on in the estate planning process, you will discover that many of the decisions you make about your estate will be based on your best interests and those of your descendants while you are alive.  As the old saying goes, estate planning is about planning for life, not just planning for death.  Therefore,… Read More »


Beware of Joint Wills

By William Rambaum, P.A. |

Estate planning for couples who got together late in life is very different from estate planning for former teen sweethearts who have just celebrated their golden wedding anniversary.  If you and your spouse have been together since you were young, then by the time you reach retirement age, in many cases, your finances will… Read More »


Estate Planning Nightmares: What Happens When You Lend Money to Your Children, and They Don’t Pay It Back?

By William Rambaum, P.A. |

In today’s economic climate, it is getting harder for young adults to achieve financial stability without help from their parents.  The gig economy has supplanted jobs that provide health insurance and paid leave, and homeownership is drifting farther and farther out of the reach of most working people.  Maybe you even read that depressing… Read More »

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