Perspectives on Life

Planning Strategies

Discover financial planning strategies that will guide you through all stages of your life – from starting out, to building a family, to retirement.

Latest Stories

A Better Way to Apply for Life Insurance — Contact-Free

By Helen Rennie | September 15, 2020

Our buying patterns have certainly changed over the past several months. Disposable masks and hand sanitizer have moved up on our shopping lists. And for many people, so has life… Read More

Adulting: Two Legal Documents Your 18-year-old Child Needs

By Margaret Muldoon | August 18, 2020

You’ve raised an amazing child. And now, he or she is ready to embark on a new journey. Maybe it’s off to college. Perhaps it’s trade school, the military, or… Read More

Professional Alliance Advantage: Trusted Relationships to Manage Your Financial Future

By Jaclyn Bradley | July 8, 2020

Convenience. It’s something that 21st century Americans have become quite accustomed to. Online shopping, five-minute meal prep and on-demand streaming services have made life a lot easier for many. But… Read More

5 Considerations When Selecting a Beneficiary

By Margaret Muldoon | May 26, 2020

You would think that executing an estate plan is the final step in the estate planning process — but there is still a very important decision to be made. Some… Read More

5 Key Elements of an Estate Plan

By Margaret Muldoon | May 7, 2020

Did you know that the number of American adults that have a will has dropped from 42% in 2017 to 32% in 2020?1 Although estate planning is an important part… Read More

We All Need Somebody to Lean On

By Julie Davis | April 23, 2020

 “I just might have a problem that you’d understand…we all need somebody to lean on.” – Bill Withers (1938-2020) As the COVID-19 pandemic changes our daily lives and drives many… Read More

How Life Insurance Can Help You Create a Legacy That Spans Generations

By Zach Levine | December 19, 2019

Proper legacy planning requires careful thought and preparation. Many people never get around to putting their wishes in writing, causing heartache and perhaps financial difficulties for their family when they… Read More

Does Your Plan Have a Special Needs Clause?

By Margaret Muldoon | September 19, 2019

When creating your estate plan, it’s important to consider not only today’s circumstances, but also to plan for the uncertainty of tomorrow. This is why everyone should have a special needs clause in their estate documents.

Gray Divorce: The Financial Risks of Divorce After 50

By Christine Palmer Hennigan | February 21, 2019

“Gray divorces” — where the couple is over the age of 50 — can have tremendous financial repercussions, putting retirements and even financial well-being at risk.

Create a Richer Legacy, Not a Bigger Tax Headache

By Hunter Gimbel | January 22, 2019

Under the new tax law, the amount that can pass free and clear of federal estate and gift taxes has almost doubled, from $5.49 million to $11.18 million per spouse. It is possible to gift this money during your lifetime, but the time to act on this is now, because in 2026 the exemption will revert to the old amount.