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Exemplar Editorial

Parents, Alzheimer's & Money

PARENTS, ALZHEIMER’S & MONEY

 

Easing into a difficult conversation.

 

Presented by Exemplar Financial Network

 

bigstock-Mother-And-Daugther-Cuddling-small.jpgEvery eighth American aged 65 and older has Alzheimer’s disease, and 43% of Americans aged 85 and older have it, according to the Alzheimer’s Association. Consider those percentages in light of the Social Security Administration’s estimate that about 25% of today’s 65-year-olds will live past age 90. These shocking statistics have serious implications for family wealth.1,2  

 

Your choices. What are your options when it comes to helping a parent out with money management? Informally, you can “lend a helping hand” and check in with mom and dad to make sure that bills and premiums are paid, and deadlines are met. But if you elect to formally take the financial reins, you are looking at a two-phase process:

 

2014 Bears Schedule

Please use this handy schedule as a reference during the Bears 2014 season!

Should You Change Jobs or Stay the Course?

Should You Change Jobs or Stay the Course?

Does sticking with the same firm actually hurt your financial potential?

 

Provided by Exemplar Financial Network

   

bigstock-Choice-Of-Career-Orientation-small.jpgIf you spend two years or less at a series of jobs, is that a problem? Shouldn’t your resume signal loyalty instead of transience?

 

Well, maybe it isn’t a problem. Maybe you are doing yourself a financial favor instead, especially in this decade. Maybe the conventional wisdom about getting ahead is flawed. The era of the organization man/woman is long gone, and how many people do you know who have spent a decade or longer working for one employer?

 

What Beneficiaries Need to Know

What Beneficiaries Need To Know

What do you do when an account owner passes away?

 

Provided by Exemplar Financial Network

 

bigstock-man-in-suit-showing-where-the--small.jpgIf your loved ones have invested, saved or insured themselves to any degree, you may be named as a beneficiary to one or more of their accounts, policies or assets in the event of their deaths. While we all hope “that day” never comes, we do need to know what to do financially if and when it does.

The Retirement Mindgame

The Retirement Mindgame

Your outlook may influence your financial outcome.

 

Provided by Exemplar Financial Network

   

bigstock-Retire-Today-Reminder- small.jpgWhat kind of retirement do you think you’ll have? An outstanding one? A depressing one? What if it all starts with your outlook? Qualitatively speaking, what if the success or failure of your retirement begins with your perception of retirement?

 

Finance Lessons for Your Teen

bigstock-Student-At-School-1508596.jpgThe current economic environment has caused most everyone to reconsider their personal finances with many people having to drastically change their spending and savings habits.

Coping with College Loans

Coping With College Loans

Paying them down, managing their financial impact.

 

Provided by Exemplar Financial Network

 

bigstock-Student-loan-18077153 250 wide.jpgAre student loans holding our economy back? Certainly America has recovered from the last recession, but this is an interesting question nonetheless.

 

In a November 2013 address before the Federal Reserve Bank of St. Louis, Consumer Financial Protection Bureau Assistant Director Rohit Chopra expressed that college loan debt “may prove to be one of the more painful aftershocks of the Great Recession.” In fact, outstanding education debt in America doubled from 2007 to 2013, topping $1 trillion.1

 

More than 60% of this debt is held by people over the age of 30 and about 15% is carried by people older than 50. 

Guarding Against Identity Theft

Guarding Against Identity Theft

Take steps so criminals won’t take vital information from you.

 

Provided by Exemplar Financial Network

 

bigstock-Identity-Theft- 250 px wide.jpgAmerica is enduring a data breach epidemic. As 2013 ended, the federal Bureau of Justice Statistics released its 2012 Victims of Identity Theft report. Its statistics were sobering. About one in 14 Americans aged 16 or older had been defrauded or preyed upon in the past 12 months, more than 16.6 million people.1

 

Just 8% of those taken advantage of had detected identity theft through their own vigilance. More commonly, victims were notified by financial institutions (45%), alerts from non-financial companies or agencies (21%), or notices of unpaid bills (13%). While 86% of victims cleared up the resulting credit and financial problems in a day or less, 10% of victims had to struggle with them for a month or more. 1

The Top Five Concerns Women Have About Divorce

bigstock-Divorce- 250 px wide.jpgContemplating divorce is a difficult decision that is met with a lot of uncertainty. Sharon Case, Financial Advisor and Certified Divorce Financial Analyst (CDFA) with Exemplar Financial Network has worked with women contemplating or pursuing divorce for 10 years. “I've seen so many women stay in an unhappy marriage because of a fear of financial independence”, says Case. “Divorce doesn't have to be financially catastrophic for anyone with thoughtful planning.”. She lists the answers to the top five questions her clients ask her when trying to get a clearer view of their financial future.

Bad Spending Habits That Can Be Corrected

Bad Spending Habits That Can Be Corrected

A little frugality may lead to a lot of financial progress.

 

Provided by Exemplar Financial Network

   

bigstock-Mobile-Shopping- 500 px wide.jpgAmericans have a great deal of disposable income relative to many other nations, yet our free spending can take us further and further away from the potential for financial freedom. Some people fall into crippling spending habits and injure their finances as a consequence.

 

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Have you met your team?

We have a wealth of experience in the financial services industry.

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