Financial Planning Perspectives

The Financial Planning Perspectives are for your general information. Factual material is obtained from sources believed to be reliable, but the publisher is not responsible for any error or omissions, or for the results of actions taken based upon on the information contained herein. Call Eric S. Korbitz, CFP™ Certificant at 262-780-0870 for a private consultation or if you have any questions.

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General

• 07-2010, Keeping Your Credit Score Healthy
• 07-2010 Financial Checkup
• 06-2010 Your Financial Personality
• 06-2010 Family MIssion Statement
• 05-2010 Charitable Giving
• 03-2010 Financial Planning During Health Crisis
• 03-2010 Career Change After 50
• 02-2010 Downsizing
• 02-2010 Long Term Care Plan
• 01-10 Help Your Child Build An Emergency Fund
• 01-10 Start 2010 Off Right Financially
• 11-09 Second Marriage
• 10-09 Entrepreneurship Starting Your Own Business
• 09-09 Protecting Yourself Against Inflation
• 08-09 Reverse Mortgages
• 07-09 Debt of Couples
• 07-09 Business Exit Plan
• 07-09 Company Cuts
• 06-09 Midyear Financial Checkup
• 05-09 Why Financial Planning Matters
• 05-09 Starting a Business
• 04-09 Credit Score Changes
• 04-09 Healthcare Options
• 04-09 Job Search Strategy
• 02-09 Divorce and Credit Issues
• 02-09 Structured Settlements
• 01-09 Consumer Borrowing Requires a Plan
• 01-09 Helping Kids Recover After a Major Money Mistake
• 12-08 Make Some New Years Resolutions
• 11-08 Worker Shortage Increases--Stay on the Job
• 09-08 Preparing your finances for a new baby
• 08-08 How to takeover an aging parents finances
• 07-08 Financial planning for newly single parents
• 06-08 Traveling smart during the summer
• 05-08 Why going green in a blue economy can be a smart investment
• 05-08 Why a business owner's exit plan is so important
• 04-08 How not to go broke if your kids move back after graduation
• 03-08  Get a vacation home now might be a warm spot
• 02-08  Planning surgery in a foreign country
• 12-07 Thinking of developing a new business in 2008?
• 11-07  Will your kid’s inheritance make her a monster?
• 11-07  A family’s mission statement can keep family goals first
• 11-07  Here’s how to protect against job loss
• 10-07 What you can do before the kiddie tax loophole closes
• 10-07 Thinking about borrowing from family or friends
• 10-07 Couplepreneurs starting a business with your better half
• 09-07 When real estate's in trouble
• 09-07 How your personality affects financial decisions
• 06-07 Lenders may give you a break on debt
• 05-07 Making your employer a partner in your financial planning
• 05-07 Adopting a child requires a specific financial plan
• 01-07 Getting fiscally fit in 2007
• 11-06 Year-end personal finance checklist
• 09-06 Making a home senior friendly
• 07-06 Gearing up for life on the RV Road
• 06-06 About that dream vacation home
• 05-06 Importance of an annual financial checkup
• 05-06 Financial education for minorities
• 04-06 A new approach to selecting a financial planner
• 01-06 Caring for elderly loved ones from afar
• 12-05 Financial Planning for life
• 11-05 Rules for hiring family members
• 10-05 Preparing for the new medicare drug benefit
• 09-05 Exploring identity theft
• 08-05 Preparing financially for disaster
• 08-05 Pros and Cons of prepaying your funeral
• 07-05 Prenuptial agreements to your wedding plans
• 06-05 Financial mistakes to avoid in a divorce settlement
• 06-05 Time for a midyear financial checkup
• 04-05 Tips for financially helping your children
• 03-05 Do you know what your CPI is?
• 01-05 Financing alternative for small businesses
• 10-04 Preplanning your funeral saves loved ones stress and money
• 07-04 Choosing best small business structures
• 06-04 6 ways to avoid the financial potholes of life
• 05-04 Financial tips for families of activated military
• 04-04 Financial warning signs your elderly parents need help
• 04-04 Key factors to look for when leasing a vehicle
• 03-04 Is franchising a good investment for you?
• 02-04 New real estate exchange vehicle for small investors
• 12-03 Time to get flexible with flexible spending accounts
• 10-03 9 Business succession planning mistakes to avoid
• 10-03 Financial game for football fanatics
• 10-03 Financial planning for life's surprises
• 09-03 Review charitable giving in light of new tax act
• 09-03 7 myths about financial planners
• 08-03 Financial planning for new parents
• 07-03 Children not prepared for financial world
• 06-03 Should you buy or lease a vehicle?
• 04-03 Unmarried couples should consider legal documents
• 03-03 Should you consider a medical savings account?

Investments

• 05-2010 Annuities
• 0909 Target Date Funds
• 08-09 Exchange Traded Funds
• 01-09 Munis—Make Sure You Pick Wisely
• 12-08 Taking Steps to Safer Investments in 2009
• 06-08 Foreclosure investing-it isn't for the squeamish
• 02-08  When recession fears surface check your plan
• 02-08  You may love each other but should you invest together
• 01-08  Do income replacement funds make sense?
• 08-07 Think it's time to tap your HELOC for an investment
• 07-07 An all-weather strategy to real estate investing
• 05-07 Market volatility shouldn't rattle a good financial plan
• 04-07 What are ETFs & how do they work
• 12-06 The ins and outs of Roth IRA conversions
• 09-06 Conserving Retired Client Portfolios
• 08-06 Navigating interest rates, inflation, and the economy
• 04-06 Alternatives to traditional investments
• 03-06 The return of Uncle Sam's 30-year bond
• 12-05 Equity-Indexed Annuities Demystifed
• 12-05 Making investment portfolio 2006 resolutions
• 09-05 Understanding the new Roth 401K
• 05-05 Climb a bond ladder as interest rates rise
• 04-05 Are your old savings bonds still earning interest
• 01-05 What is the real reason you should invest
• 11-04 Important to read IRA custodial agreement
• 09-04 Bank loan funds a hedge amid rising interest rates
• 08-04 Should you invest in commodities
• 05-04 Use caution if exchanging variable annuities
• 05-04 Treasury bonds for inflationary times
• 05-04 Do you have too many or too few retirement accounts?
• 04-04 The ABC's of the B-shares blues
• 04-04 Should you be investing overseas?
• 03-04 How to make the most of your 401K plan
• 02-04 Is your investment portfolio off-balance
• 02-04 How the falling dollar may fall on your finances
• 01-04 Have you learned your investing lessons?
• 12-03 Should you abandon Mutual Funds?
• 11-03 Should you rush into Gold?
• 09-03 What about bonds amid rising interest rates?
• 08-03 New breed of hedge funds open to more investors
• 08-03 Don't let new tax act distract from investment basics
• 04-03 Should you consider equity-index annuities?

Retirement

• 07-2010 4 percent Withdrawal Rule
• 06-2010 Unretirement - Going Back to Work
• 12-09 Retirement vs College Savings
• 09-09 Reviewing Your 401k Allocations
• 08-09 Roth IRAs for Students
• 07-09 Planning an Extended Career
• 06-09 Retirement Plan Threats
• 12-08 Retire Slowly or Return From Retirement
• 08-08 Retirement annuity managed payouts considerations
• 07-08 What's the correct retirement fund withdrawal rate
• 06-08 To retire or un-retire
• 05-08 Don't make these retirement planning mistakes
• 04-08 Are annuities a good way to preserve retirement
• 01-08  Pay close attention to 401K default investments
• 12-07 Try and avoid these IRA mistakes
• 01-07 Medicare provides preventive services
• 11-06 New law allows IRA owners over 70½ to donate RMD to charity
• 11-06 Is conventional web planning right for you?
• 10-06 A time and place for life settlements
• 10-06 A guide to withdrawing retirement assets
• 09-06 New pension protection act highlights
• 09-06 Conserving Retired Client Portfolios
• 06-06 Taking responsibility for retirement
• 04-06 A brave new financial world for baby boomers
• 03-06 Perplexing Social Security and earnings in retirement
• 02-06 Changes in store for medicare and medicaid
• 01-06 Evaluating the need for insurance in retirement
• 09-05 Understanding the new Roth 401K
• 09-05 A Primer on Living benefits with annuities
• 07-05 New Bankruptcy Law Protects IRAs
• 05-05 Do you know where your IRA beneficiary forms are
• 02-05 IRS eases retirement account rollover nightmares
• 02-05 403 B Plans wave of future for many workers
• 01-05 Social security payments smaller than expected
• 12-04 Roth conversions become more attractive for retirees
• 11-04 Important to read IRA custodial agreement
• 10-04 Should you stay in your old 401k or roll it over into an IRA
• 08-04 Winning the lottery or a pension
• 08-04 Inheriting IRAS a tricky process
• 06-04 Retirement plans for the small business owner
• 06-04 How to avoid financial sick bed in retirement
• 05-04 What to do if your ship doesn't come in
• 02-04 Are you asking the right questions about retirement?
• 12-03 Low income savers' credit a great retirement deal
• 12-03 Retirement Planning for a long, long life
• 11-03 8 ways to make your retirement funds last
• 11-03 Should you change your retirement planning in light of new tax acts?
• 10-03 What working retirees should know about taxes
• 09-03 Retired homeowners shifting into reverse mortgages
• 09-03 What to do if your pension plan is in trouble
• 08-03 Retirement IQ is lacking for many
• 08-03 Tips to help seniors battle debt
• 06-03 Older women must prepare better for retirement years
• 04-03 Planning for a retirement paycheck
• 03-03 College saving strategies for retirees

Insurance

• 05-2010 Life Insurance
• 04-2010 Purchasing Disability Insurance
• 12-09 Disability Insurance
• 10-09 Medicare and Medigap Insurance
• 10-08 Short-term long-term care insurance
• 09-08 Should you enroll in your company's HSA
• 08-08 How to buy life insurance
• 07-08 Insuring your vacation trip
• 04-08 A long-term care insurance primer
• 03-08  Most don’t have enough disability insurance
• 02-08  Investing smart in a Health Savings Account
• 08-07 Should you consider an HSA
• 07-07 Divorce can sink your health coverage
• 04-07 Most need to prepare for the financial impact of disability
• 04-07 Now is the time to pick up low cost life insurance
• 10-06 A time and place for life settlements
• 01-06 Evaluating the need for insurance in retirement
• 10-05 Tips on filing homeowners insurance claims
• 07-05 Should you consider a health savings account?
• 04-05 Pros & Cons of combination long-term care policies
• 03-05 How to avoid a medical financial disaster
• 02-05 Insurance for early retires
• 12-04 Term life insurance that may pay back your premiums
• 10-04 Insurance for young adults
• 09-04 How to cut your insurance costs
• 07-04 Cost factors buying long term care
• 06-04 Small business owners use caution with life insurance in retirement plans
• 03-04 What to look for in an income insurance protection insurance policy
• 02-04 Should you sign up for the new health savings account?
• 11-03 Myths about long term care
• 11-03 Insuring a new marriage
• 10-03 Health care cost savings tips
• 08-03 Don't overlook other LTC features
• 07-03 Do you know where your universal life premiums are?
• 05-03 Pros and Cons-Employer Long-Term Care
• 03-03 Long term care policies cover more than nursing home
• 03-03 Should you consider a medical savings account

Budgeting/Cash Flow

• 04-2010 Reducing Your Debt
• 10-09 Ten Ways to Reduce Debt
• 08-09 Preparing for a Rainy Day
• 01-09 A Budget is a Good Way to Start
• 08-08 Top 10 money moves for today's college freshman
• 07-08 How new college grads can get a financial jump
• 12-06 The ins and outs of mortgages refinancing
• 03-05 Go easy on home equity loans
• 06-04 Protecting your home amid rising interest rates
• 03-04 Break the paycheck-to-paycheck treadmill
• 11-03 Holiday spending on a tight budget
• 08-03 8 Tips to help seniors battle debt

Education Funding

• 06-2010 Paying for Private School
• 12-09 Retirement vs College Savings
• 10-09 College Funding Help From Grandparents
• 06-09 Educating College Freshmen
• 05-09 Rebalancing 529 Plans
• 03-09 College Student Finances
• 03-09 Graduation Gift
• 09-08 Always have a plan for leftover 529 Plan money
• 09-08 Blended families college financial aid
• 06-08 Heading back to school-make a plan first
• 08-07 Thinking about going back to college
• 06-07 Thinking about private school for your kids
• 04-07 Getting the kids involved in saving for college
• 08-06 College Planning in the wake of new tax laws
• 02-06 Figuring out the financial aid formula
• 11-04 Myths deter students from applying for aid
• 09-04 Options for funding college education
• 05-04 How grandparents can help pay for education
• 10-03 Should you re-think college savings in light of tax act?
• 09-03 Private colleges prepaid tuition plan
• 06-03 What to do with leftover 529 plan funds
• 03-03 College saving strategies for retirees

Estate Planning

• 05-2010 Estate Planning
• 12-09 Estate Planning
• 06-09 Settling an Estate
• 03-09 Personal Residence Trust
• 02-09 Dementia Is Not Just A Medical Issue
• 10-08 Be careful about picking beneficiaries
• 10-08 Make estate and financial planning a first step after divorce
• 05-08 Consider making an estate check-up a multi generation family matter
• 04-08 Estate Planning for death of both with young kids
• 01-08  It’s time to start thinking about the Estate Tax again
• 04-07 Creating an Ethical Will
• 04-07 Losing your Inheritance to Uncle Sam or others
• 04-07 Using Universal Life for estate taxes
• 07-06 ILITS remain a popular estate planning technique
• 05-06 Small business succession planning
• 01-06 Navigating the federal and state estate tax maze
• 05-05 Family meetings can help pass on family assets
• 05-05 Do you know where your IRA beneficiary forms are
• 12-04 FLP's with business purpose more likely to pass IRS muster
• 11-04 Letters of instruction benefits heirs and you
• 08-04 Inheriting IRAS a tricky process
• 06-04 Should you go private with an annuity
• 04-04 Do you know where your beneficiaries are?
• 04-04 8 ways to protect your IRA Plans
• 03-04 Why you need a durable power of attorney
• 01-04 How to handle the challenges being an estate executor
• 01-04 Making your own health care decisions when you can
• 12-03 Charitable Trusts you should know
• 09-03 Review charitable in light of new tax acts
• 07-03 Should you name a trust as beneficiary of your retirement plan?
• 05-03 13 estate planning terms you should know

Taxes

• 04-09 Stimulus Act Summary
• 01-09  Good Environment for Roth Conversions
• 03-08  Get a head start on tax planning for 2008
• 09-07 The ins and outs of audits
• 04-07 How Bunching can Preserve your right to itemize
• 01-07 More tax changes
• 10-06 Get a head start on 2007 tax planning
• 07-06 A primer on the recent tax act
• 02-06 Taking time to understand the 2006 tax changes
• 11-05 Year-end tax planning tips
• 11-05 A Primer on Charitable Donations
• 07-04 Plan now to avoid alternative tax
• 03-04 8 ways to spend your tax refund
• 02-04 Don't overlook these college education deductions
• 12-03 Are your dividends really eligible for lower tax rates?
• 10-03 What working retirees should know about taxes
• 08-03 New tax act aids small businesses
• 08-03 Don't let new tax act distract from investment basics

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