How To Make Sure You'll Have A Comfortable RetirementBy Henry MontagPut Old On Hold, November 2011 There are many things you can do to make sure you don't retire in the manner you'd like. That way you'll be one of the 40% of individuals wanting to but not being able to retire in the lifestyle you'd prefer. Read More... Fiscal Literacy Crucial for Future ConsumersBy Henry Montag & Ronald E. RoelLong Island Business News, October 20, 2011 Hardly a week goes by when we aren't pummeled by the latest round of troubling economic news. Unemployment is still high, job growth remains stagnant. The stock market is down sharply and the weak housing market remains aired with foreclosures. Washington seems broken, with Democrats and Republicans locked in deep disagreement about how to fix the economy. Financial Tips For Grandparents and KidsBy Henry MontagHere is some practical useful information that can be used by everyone regardless of whether they’re in the Accumulation Phase, the Conservation Phase, or the Distribution Phase of their lives. People in their own business, executives, professionals and the employees that work with them, neglect paying attention to what they should be doing during each of the above-mentioned phases to maximize their assets for themselves and their families. The common problem always seems to revolve around, "No need to do it today I'll take care of it tomorrow when I have more time, more money, a clear head, the kids grow up, they start college, etc." Read More... Fiscal Literacy IssuesBy Henry Montag and Ron RoelHardly a day goes by when there isn’t some dire economic news out of Washington: worries about the debt ceiling worries and the budget deficit; the solvency of Medicare and Social Security, the lack of jobs growth and continuing struggles of the economy. Recently, there was another kind of announcement—the opening of the new Consumer Financial Protection Bureau, created by the Dodd-Frank financial overhaul law. Read More... The Family Meeting: It's Time for a New Addition to Traditional Financial PlanningBy Henry Montag and Ron RoelAlzheimers Organization, Winter 2010The Family Meeting serves as a platform for discussing a family's "legacy", a broad term we use to include the many financial and personal aspects that need to be addressed between parents and their future generations. We are talking about things like wills and powers of attorney, but these are only the tip of the iceberg. Beyond these standards, there are many other issues that need a dialogue. From retirement and elder care to legacy planning that involves not just estate distribution, but personal wishes and desires as well. Read More... Successful Succession Planning Strategies for Your Family BusinessBy Henry MontagL.I. Financial and Tax Planning, Spring 2011You've spent your time and devoted your passion to creating a business that has not only provided you and your spouse with an ongoing stream of income, but if you're fortunate enough may also provide your kids and their future generations with the same goose that lays the golden eggs.
Financial LiteracyBy Ron RoelNewsday, Spring 2000At a conference last year, I heard Yale economist Robert Shiller, widely known for his warnings about the stock market and housing bubbles, offer an interesting prescription: Give some economic stimulus money directly to families so they can hire a financial adviser. The message was clear: In an economy that depends so much on consumer spending, we put ourselves at risk when we fail to teach people how to be smart consumers. Isn't it odd that the only time consumers are required to get financial counseling is when they apply for a reverse mortgage...when they're 62 or older? Read More... Who Gets What When You're Gone?By Henry MontagPut Old On Hold, Spring 2011Whether you’re wealthy or earn a modest income, there is one estate planning concern that is shared by people from all walks of life—the decision of who gets what when you’re gone. While some individuals logically assume that a will is the only official forum to express such decisions, that’s not always the case. Often, an equally important issue in estate planning is who to name as beneficiary on life insurance policies, employer-sponsored retirement plan accounts and IRAs. Read More... 'A Unique Alternative Investment'By Henry MontagL.I. Financial and Tax Planning, Fall 2010Several years ago, a well-known financial author asked me to write a chapter for her book, presenting what I thought was my best and most innovative use of life insurance. As it turned out, when the book was reviewed, the reviewer's sole comment was that my idea was the most creative use of life insurance he'd ever seen--if one could get past the emotional hurdle of profiting from the death of a loved one.
PDF DownloadsDownloadable media files in PDF format. Click title to download.Why the Stock Market is so Volatile, Put Old on Hold, September 2011, By Henry MontagThe Family Meeting Program, By Henry Montag and Ron Roel What's So Special About A SPIA?, Put Old on Hold, July 2011, By Henry Montag What to Do With Your Old 401(k) When You Change Jobs, Put Old On Hold, June 2011, By Henry Montag Responsibilities And Thoughts For Business Owners, Put Old On Hold, May 2011, By Henry Montag What is 'The Preferred Method of Care'?, Put Old On Hold, June 2010, By Henry Montag The Difference Between 'Knowing' and 'Doing', L.I. Financial, spring 2010, By Henry Montag 'The Importance of the Family Meeting', By Henry Montag and Ron Roel Naming Beneficiaries of Insurance Policies, L.I. Financial, March 2011 By Henry Montag Financial Tips For You, Your Kids, and Grandkids, By Henry Montag Avoiding a Financial Crisis, June 2010, By Henry Montag Learning What To Do With Our Money, By Ron Roel First Time Home Buyers/What You Need to Know, Newsday, February 2010, By Ron Roel People Who See People of All Ages Are the Luckiest People, By Ron Roel The Family Meeting, Alzheimers Organization, winter 2010, By Henry Montag & Ron Roel |
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