Uncategorized

/Uncategorized

The Sandwich Generation

When we are working with a new client we spend a significant amount of time becoming acquainted with their goals and circumstances.    Of course we discuss their retirement dreams but also their estate preferences. This conversation usually includes some brief conversation about their children, their marriages, financial stability and ability to handle money.   Then, more [...]

By | April 18th, 2016|Uncategorized|

fi-du-ci-ar-y

LifePlan Investment Advisors, INC provides our clients with the following regulatory documents: Our Privacy Policy Code of Ethics; and ADV Part 2 (State Advisory Registration Form) These documents are first provided to a client when they initially engage our planning service. They are also provided annually to all ongoing investment advisory clients. Why do we [...]

By | March 30th, 2016|Uncategorized|

How to know when you have enough money to retire

This article was originally posted on NY Daily News, written by contributors Alex and Ken Sutherland. You can access that article by clicking here. How much is enough to retire? One of the most frequently asked questions when we meet with potential new clients looking to retire is, "How do I know if I have [...]

By | March 12th, 2016|Uncategorized|

Turning 66? Take advantage of Social Security ‘file & suspend’ strategy before it’s too late

his article was originally posted on NY Daily News, written by contributors Alex and Ken Sutherland. You can access that article by clicking here. We all know that Social Security is an important part of retirement income. Particularly now with so much market volatility and uncertainty, the need for secure, reliable income is in high [...]

By | March 4th, 2016|Uncategorized|

Filling in Bubbles Won’t Always Lead to a Fulfilling Retirement

Yes, there are essential questions you need to ask yourself before you retire. But taking an online quiz with stock questions and answers may not be the best way to help you make this important decision. Therefore, instead of calculating your score and placing you in a category with run-of-the-mill recommendations, we delve deep to [...]

By | February 25th, 2016|Uncategorized|

Special Needs May Require Special Consideration

When purchasing life insurance for a child with special needs, an assumption is often made that a high coverage amount is necessary since he or she may need support long after the parents pass away. However, a  meeting with a financial professional may reveal this isn’t always the case. This is an instance where excess [...]

By | February 12th, 2016|Uncategorized|

Making the ‘Great Transition’ into retirement in a scary time for seniors

This article was originally posted on NY Daily News, written by contributors Alex and Ken Sutherland. You can access that article by clicking here. Why is it that looking forward to one of the most exciting times of our lives can also be one of the scariest? You've been working towards retirement for years so [...]

By | January 29th, 2016|Uncategorized|

Think Down the Road Before Allowing LTC Lapse

Many of today’s retirees had the foresight to purchase a long-term care insurance policy back when premiums were affordable. Unfortunately, a number of retirees and pre-retirees let their policies lapse. Why? For the same reason they need the benefits — because of some form of cognitive impairment. In one study, researchers tracked Americans ages 65 [...]

By | January 28th, 2016|Uncategorized|