Resources

Health savings accounts (HSAs) can be more than just a way to tax efficiently pay for qualified medical expenses; you can also use your HSA in retirement. You are eligible to make contributions to an HSA if you have an HSA eligible health plan. An HSA is one of the most powerful types of accounts.

Aging is a natural part of life, yet it is often viewed with apprehension rather than appreciation. Many fear the physical and emotional changes but aging gracefully is not about resisting time – it’s a journey that brings wisdom and new opportunities.

As people age, their needs change – physically, emotionally and socially. Finding the right support can make a significant difference in ensuring safety, comfort and dignity during the later stages of life.

As the calendar flips to the new year, our focus shifts to cash flow planning. Those of you taking distributions, or starting to in the near future, have probably wrestled with the questions that come up in this process. How much do I need from my portfolio each month? How much can I afford to take? Where should I be taking it from? LTWM advisors strive to make these discussions open and collaborative, tailoring our planning to each individual client’s needs, goals, and comfort level. With that being said, our advisors enter these conversations already prepped with data and analysis in tow. For potential clients looking to understand our process, or current clients wanting an in-depth look at our methods, here’s a peek behind the LTWM curtain…

Have you ever been watching a really great movie, thoroughly enjoying it, only to be disappointed by the ending? You sense the ending is near, things take a turn for the worse, and you’re left with that overwhelming urge to say, ‘NO… make it stop, go back!’ I can relate. Haven’t you wished at times that you could rewrite certain endings? Imagined a different, more satisfying conclusion that would have truly made the movie better? While we might not have complete control over how our own life ends, we do have a say.