It has been a while since we addressed the topic of reverse mortgages here on the AgingOptions Blog. A reverse mortgage, also called an “HECM” (which stands for home equity conversion mortgage), can be a potential game-changer for retirees who need a steady flow of tax-free income. But there are downsides to reverse mortgages as … Read more
It doesn’t matter whether a spouse passes away suddenly or after a lingering illness: for most of us, finding ourselves as widows or widowers is the most disorienting experience we will ever face. Because adjusting to this new reality is so difficult, most money tasks for new widows and widowers tend to be put off … Read more
It’s tragic – but not surprising – to read that many seniors are approaching retirement with little or no savings set aside. Ever since the Great Recession of 2008-2010, seniors have faced a challenging job market, made worse by COVID and inflation. Even those who thought their retirement plans were solid have been adversely affected. … Read more
The New Year is well underway, and hopefully you’re starting 2024 on a note of optimism. But for too many seniors, all the burdens of 2023 have come rushing into the new year in the form of medical debt. If medical debt isn’t a problem for you, you may not give it a second thought, … Read more
What does retirement in 2024 actually look like? There’s always a risk in trying to take a snapshot of such a complicated topic as “retirement in 2024.” But recently the Wall Street Journal did precisely that, and the result forms a fascinating composite picture of how we Americans actually plan for and spend our retirement years. The … Read more
For many years, financial prognosticators have been peering into their crystal balls and predicting what has come to be called “the Great Wealth Transfer.” The scenario is pretty simple: as millions of baby boomers have moved through the population, driven by a post-World-War-Two baby boom that never let up all through the 1950s and early … Read more
There’s something compelling about the idea of making New Year’s resolutions, isn’t there? With the turning of the calendar, a brand-new year begins, unmarred by past mistakes, filled with promise and opportunity. Many of us will pause sometime during the first days of 2024, reflecting on some of the poor choices we might have made … Read more
Listen to Rajiv Nagaich for even a few of his radio programs or seminars and you’ll hear a recurring theme: the question of where you choose to live in retirement is a key factor that helps determine how successful your retirement will be. As we age, caring for a large home and yard becomes a … Read more
Are you preparing for retirement? If you answered a speedy “yes,” then it’s likely that your retirement planning has mostly involved finances. For most American workers, preparing for retirement means planning for that day when your financial situation makes it possible to say good-bye to that regular paycheck. If someone asks, “Are you ready for … Read more
Retiring with debt is something financial planners advise us to avoid – yet a large percentage of retirees ignore that sage advice. One of the critical steps in preparing for retirement usually involves taking a hard look at your debts, and strategizing about how to get those pesky encumbrances paid off so you can retire … Read more
Will your plan for retirement lead to disaster if your health fails? Will you end up forced into institutional care, go broke paying for care, or become a burden on your family?
For millions of Americans, the answer is yes. This video explains why retirement turns into a nightmare for so many people and how completing this course can keep these nightmares from happening to you.
Save $4 when you buy the Master Your Future Bundle. Includes the first edition of the Master Your Future LifePlanning Workbook, which offers step-by-step guidance to create your LifePlan for retirement, and the Master Your Future Program DVD, the groundbreaking public television special that offers a stark lesson in the dismal state of retirement planning in America--and what to do about it.
Create your LifePlan for retirement in a live online classroom setting led by elder law attorney Rajiv Nagaich or another experienced LifePlanner. Includes five two-hour sessions, plus access to AgingOptions Academy, a one-year membership to AgingOptions Portal, a Master Your Future LifePlanning Workbook, a one-on-one session to review your LifePlan Blueprint, and access to exclusive offers on legal documents, facilitated family meetings, and more.
Since the AgingOptions Radio Show first began airing in the Pacific Northwest in 2006, elder law attorney Rajiv Nagaich has been helping people answer some of life’s toughest questions. In this comprehensive anthology, drawn from thousands of hours of AgingOptions Radio Show broadcasts, listen to Rajiv Nagaich answer callers’ questions about retirement planning. His answers are packed with important nuggets of information that will help you create your own LifePlan for retirement. It’s a recording you’ll want to listen to again and again.
Elder law attorney Rajiv Nagaich is known as much for his riveting presentation style as he is for his sage advice. Audiences everywhere love hearing Rajivisms, those bursts of powerful retirement planning wisdom delivered with unexpected wit that often make you laugh out loud. This DVD collection of Rajivisms is loaded with actionable advice you can use right now to make your retirement plan better.
As an elder law attorney, Rajiv Nagaich has spent more than two decades helping older adults and their family caregivers cope with retirement plan failure. Despite doing exactly what their trusted advisors had told them to do—enrolling in Medicare, saving plenty of money, buying long-term care insurance, and creating an estate plan—Rajiv's clients found themselves forced into institutional care, assets lost to unplanned care costs, and a burden to their families. In Your Retirement: Dream or Disaster, you will learn the shocking truth about why this happens—and what you can do to avoid it. This book is a must read if you want to avoid the hidden traps in retirement planning advice that turn life into a living nightmare for 70% of Americans.
What does it take to avoid the nursing home, avoid going broke and avoid burdening your family during your retirement years? That’s the question elder law attorney Rajiv Nagaich answers in Master Your Future, the groundbreaking program that has aired more than 1,500 times on public television stations nationwide. The Master Your Future Program DVD is a great a way to watch (and rewatch) Rajiv’s shocking revelations and piercing insights about the state of retirement planning in America. Drawing on his own family’s experience and that of thousands of clients during his 20+ years as an elder law attorney, Rajiv explains why traditional approaches fall short and shows how this failure results in 70% of American retirees being forced into institutional care. Rajiv then offers a surprisingly simple solution to create the retirement of your dreams.
The Master Your Future LifePlanning Workbook guides you through the process of planning for your later years so you can live out your years with more confidence. Examine your readiness for retirement, get practical solutions to threats and challenges that come with aging, and follow a step-by-step action plan to build a LifePlan Blueprint that will deliver secure, predictable outcomes. The Master Your Future LifePlanning Workbook includes 200 pages of exceptional content, detailed information that helps you weigh your options, decision worksheets to create your personal Blueprint, and guidance for selecting and working with professional advisors.
