TOPICS DISCUSSED

• Do you need a will or a living trust? Why or why not?

• Power of attorney, Living will, health care directives: No they are not all generic, They can be invaluable, or create terrible tangles. Who should you choose for each one. There are very common mistakes, they are easily avoided.

• Crucial update on the new digital financial system! The death of the dollar, Privacy issues, A. I. and the disruption of crypto currencies.

• Destructive mistakes with 401 k and IRA planning.

• Inflation the invisible thief: Strategies to defend against this monster. Will my savings last through our/my retirement?

• Inheritance enemies: heirs battling addiction; Un-necessary taxation; second spouses vs. children and/or step-children; fights producing lawsuits;Charitable gifts; excluded heirs; and more minefields discussed.

• Long Term Care; The overlooked but greatest financial threat for retirees.

• Prevent accidentally giving half of your savings to a lawsuit or the IRS.

• Risk vs. Safety: Taking on too much… or too little risk with your savings.

• Stocks, bonds, annuities, precious metals, crypto, money market, … it’s so confusing.

This is not the 1980’s, the rules are changing.