A health care provider, Cignet, was fined over $4 million for a violation of HIPAA.  Article here.  While the primary experience that most people have with HIPAA is to keep their health care info private from third parties, ironically this fine actually arose from Cignet's failure to disclose requested healthcare documents to the requesting patient.  […]

There is a witticism that goes something like “experience is something that you get just after you need it” and this is certainly the case in many instances. There are times when you find yourself in this type of situation when you still have time to overcome whatever challenges that lack of experience may have […]

When you’re planning your finances throughout your life the idea is to accumulate assets, so it can seem kind of strange when you find yourself in a situation when you have to reduce your assets. However, this is often the case when you are engaged in estate and incapacity planning. One of the reasons why […]

When you are making financial plans throughout your life you have every expectation of benefiting from the result of these plans. And if you are to make any mistakes along the way, you would be the one to suffer in the near-term and you’d be around to correct these mistakes and right the ship going […]

When you start to get serious about planning for the latter stages of your life it is important to educate yourself with regard to the expenses that you may be faced with. It is natural for your first thought to be that your elder years will simply be more of the same from a financial […]

Leaving behind a legacy to your loved ones is a very important matter, and there can be a lot more to think about than simply handing out shares of the whole. When you get serious about planning your estate it is more than just a matter of dollars and cents because you invariably recognize the […]

Current demographic statistics indicate that senior citizens are the most rapidly growing segment of the United States population. This is the reality as we speak, but additional members of the baby boomer generation are continually reaching the age of 65 on a daily basis. In fact, recent news stories have highlighted the rather stunning statistic […]

Estate planning is all about achieving multiple objectives at the same time, and this is one of the things that makes the field so interesting. There are a small percentage of people who have resources so vast that their estate plans can be made without having any significant impact on their budgeting for retirement. But […]

Some people are under the impression that Medicare will take care of all their health care needs once they reach the age of 65, but this is not the case when it comes to long-term care. And when you take a look at how high these expenses are right now coupled with the fact that […]

Sometimes you hear estate planning spoken about as something that is taking place outside of the flow of your life as it unfolds. In these instances the subject is addressed from the standpoint that there is this package of assets that will always stay untouched from the time you start planning until the time you […]