by Ralph Bender, MBA, CFP® | Estate Planning, Long Term Care
Many of us imagine a future shared with family or a significant other. But for a growing number of people, aging alone is a reality. If you don’t have immediate family or a partner, estate planning may feel overwhelming. You might wonder, “What should I do with my...
by Ralph Bender, MBA, CFP® | Financial Plan, Recent Posts
In today’s fast-paced environment, careful financial planning is crucial when it comes to growing and preserving your wealth. The decisions you make today could have a lasting impact on your finances. Please use the checklist below to give yourself an idea of where...
by Ralph Bender, MBA, CFP® | Book Review, Food and Nutrition, History, Inspiration, Non-Fiction, Silver Medal, Travel
Endurance: Shackleton’s Incredible Voyage by: Silver Medal Reviewed by: Ralph Bender, MBA, CFP® Medal Rating: Silver Medal The 28 men in this story faced unimaginable hardship and privation. After the Endurance was crushed in pack ice, they...
by Ralph Bender, MBA, CFP® | Social Security
Signing up for Medicare is essential to help provide you with the coverage you need as you age. But if you miss the deadlines, you could risk a lifetime of penalties. Here is what you stand to lose if you incur Medicare late penalties. 1. Late Penalties May Last...
by Ralph Bender, MBA, CFP® | Lifestyle
When giving gifts to our children or grandchildren, we often default to the latest toys or gadgets. However, the value of these items tends to diminish over time in terms of both interest to the child and monetary value. A different approach to gifting can focus on...
