For some of my clients, retirement has not been what they imagined or hoped it would be; particularly for a generation of men who didn’t come to terms with the loss of their career identity or finding new and appealing ways to stay active.

It is scary and overwhelming to address long-term planning. But the lack of planning is disheartening to those left to address a crisis, as was the case with David, an 80-year-old man.

Planning for the care of a developmentally challenged child is, at best, intimidating and, at worst, an enormous emotional and financial drain on parents as they age. But the consequences of not planning are immense, as the story of Steven, a 63-year old single man, illustrates.

There are critical questions you need to ask when you are facing the issues of incapacity and maintaining the safety and well-being of a client.

We are midway through the health insurance open enrollment period and one of the biggest challenges we face with our clients are the health insurance choices they have made along the way.