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Planned Assets Planning Blog
Planned Assets is dedicated to answering questions about: debt, finances, mortgage, estate, health, retirement, business and personal planning.
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Planned Assets CTO
Michael is 36 years old. He is a graduate of the Honors College at the University of Houston (B.A.) and Texas A&M College of Education (M.Ed.). He enjoys the liberating freedom of solid financial planning.
Recent Posts
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Selecting a Care Facility: Assisted Living Homes
Selecting a Care Facility: Assisted Living Homes What is assisted living? Assisted living is for adults who may need help with everyday task or feel it is time to live in an environment where help is available if needed, but over the past few years many of these facilities leaving the old definition of assisted living facility behind. I some reg ...May 09 -
Selecting a Care Facility: Nursing, Assisted Living or Home Health Care
Selecting a Care Facility: Nursing, Assisted Living or Home Health Care One of the most difficult tasks we, as children, face is making the decision to move a mother or father, even ourselves, into a care facility, nursing, assisted living or using home health care. As it becomes more difficult to manage the care of a parent or loved one the ques ...May 09 -
Social Security: Part D Surcharges
Social Security: Part D Surcharges If you’re a high-income Medicare beneficiary {Single Individual with AGI above $85,000 or married above $170,000} you are aware you can lose your part D pharmacy coverage over an $11.60 to $66.40 a month payment you haven’t made? For those insured by Medicare Advantage plans you can lose the whole plan. In 201 ...May 01 -
Concerning Roth IRAs
Thinking of converting assets to or establishing a Roth IRA? Roth IRA’s are a consistent recommendation by the financial press and financial planners. Predominate value of the Roth is future tax avoidance, but it is not for everyone. For those at a younger age and who qualify, developing a Roth IRA in concert with other planning makes inordinate ...Apr 14 -
Should you have A Revocable Living Trust?
Many if not most individuals are confused with the term “Living Will” or had it miss represented. Do you know what a ‘Living Will’ is, do you have one? A Living Will has nothing to do with estate planning but much to do with your medical care and or end of life; A Living Will is a Directive to Physicians and Family or Surrogate; at the minimum ex ...Apr 14 -
Other entries by Planned Assets CTO
Planned Assets Senior Technical Writer
Elisabeth is located in Houston, Texas. She enjoys helping families plan for the future.
Recent Posts
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Medicare Insurance: Part B, Enrollment (2)
Medicare Insurance: Part B, Enrollment (2) Enrollment: Individuals, not meeting certain exceptions, failing to enroll during the initial enrollment period may find their Part B premium increased up to 10% for each 12 month period that the person could have enrolled but did not. This penalty may be considered draconian because it remains thro ...Mar 10 -
Retirement Planning: Medicare Advantage
A Medicare Advantage Plan is another Medicare health plan choice you may have as part of Medicare. These plans are often called “Part C” and are offered by private companies approved by Medicare. Advantage plans provide all of your Medicare benefits under part A and B and many even include Part D or Medicare prescription drug coverage. ...Feb 25 -
Bottom Dollar
Recently the Japanese government stated; Japan and China will promote direct trade without using dollars and instead will use the Yen and Yuan. Japan has also stated it will also apply to buy Chinese bonds next year instead of U.S. bonds. As a part of a plan outlined in October to promote use of the Yuan within the Association of Southeast Asian N ...Jan 09 -
College Financial Planning
January 1, 2012 is the start of the 2012-2013 college year and all students (new or ongoing) hoping to receive financial aid for this period must complete the Free Application for Federal Student Aid (FAFSA) form, the sooner the better. The form is available as a paper version, PDF or there is an on line version. The application will only be accept ...Jan 02 -
Wealth Accumulation and Optimization
Will Rogers once said “Return of your money is sometimes more important than return on your money.” IMF Chief Christine Lagarde recently speaking at the U.S. State Department in Washington said; “There is no economy in the world, whether low-income countries, emerging markets, middle-income countries or super-advanced economies, that will be immun ...Dec 19 -
Other entries by Planned Assets Senior Technical Writer
Planned Assets Senior Consultant
Planned Assets Senior Consultant has not set their biography yet
Recent Posts
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Have You Protected Your Retirement Plans?
If you were struck with a Critical Illness, Heart Attack, Cancer or Stroke and couldn’t work for six months or more, how would you meet the cost of living, pay your bill and medical cost? Did you know? 1.3 Million Americans will be diagnosed with Cancer each year? 1 out of 2 men and 1 out of every 3 women in America will be diagnosed with Cance ...May 16 -
Safe Investments: Variable Annuities, Equities, Equity Indexed Annuities
Monday’s Wall Street Journal included The Journal Report: Big Issues. Within this section was a discussion concerning Variable Annuities vs. equity investments such as bonds, stocks and mutual funds. As a financial consultant of 30 years and former Registered Rep, working with clients trying to build effective retirement incomes, I find these discu ...May 15 -
IRA Distributions: Are You Sure?
If you ask ten different people about the rules, penalties, and tax consequences of an IRA distribution, you’re likely to get 11 different answers. The fact is a wrong move could cost you dearly. 1st IRAs are not the same as employer sponsored plans such as 401(k) plans, so they don’t play by the same rules. 2nd There are two types of IRAs; ...May 13 -
Long Term Care
According to studies by the government, AARP, Americans for Long Term Care Security and many others, 50% or more of Americans over the age of 60 will require some form of Long Term Care during their life. While the predominance of long term care recipients may face less than 3 to 5 years of care even this limited amount of care can break or ruin r ...May 12 -
U.S. Saving Bonds:
Last Wednesday evening I was having dinner as usual at church with a group of older men when the conversation turned to savings, certificates of deposit and U.S. Savings bonds. As conversation progressed several of my friends started bragging about the number and amount of U.S. Savings bonds they had amassed over their working years. Here we ar ...May 11 -
Other entries by Planned Assets Senior Consultant