Estate Planning Without an “Estate” When the words “estate planning” come to mind, many people think of billionaires such as Bill Gates or Mitt Romney. These wealthy Americans certainly do have an estate and a very complex estate plan. However, anyone with a few dollars in the bank or a life insurance policy technically have […]

Are you concerned about your income dropping in this challenging environment?  Whether it is already happening or may be in the near future, now is the time to review your spending and resources and make changes.  If you continue spending at the same rate, with less income, you may find yourself going deep into debt […]