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Heritage Law Office Blog

Millennials Plan Ahead for Financial Freedom

Posted by Brad Sarkauskas | Apr 13, 2020 | 0 Comments

Millennials include fiscally conservative, savings oriented, and future planners seeking financial freedom as core attributes. A large part of millennials' formative years was influenced by the US sub-prime mortgage crisis beginning in 2007, shortly followed by an international banking crisis, ...

When an Inheritance is Not Always A Good Thing

Posted by Brad Sarkauskas | Mar 30, 2020 | 0 Comments

Say your spouse is living in a nursing home because of advanced Parkinson's. Your spouse is currently receiving Medicaid benefits to pay for the high cost of that care. If you were to pass before your spouse, you wouldn't want your spouse to inherit all your life savings, no matter how much you...

Retirement Planning Trends are Changing

Posted by Brad Sarkauskas | Mar 10, 2020 | 0 Comments

In France, proposals to raise the retirement age are met with street protests. Yet around the world, the retirement age is creeping up; in the United States, it is moving up from 65 to 67. In fact, 2019 research shows that many Americans expect that they might never retire at all. People simply...

Americans are Facing a Long Term Care Crisis

Posted by Brad Sarkauskas | Feb 17, 2020 | 0 Comments

Americans are facing an escalating long-term care (LTC) crisis. Industry driven, massively underpriced policies are playing fiscal catch up with hefty premium rate increases. This price increase is forcing some aging Americans to abandon their policy while others struggle to reduce their amount...

Calculating the Hidden Costs of Alzheimer’s Disease

Posted by Brad Sarkauskas | Feb 10, 2020 | 0 Comments

When policymakers consider the costs of dementias like Alzheimer's disease, they consider both direct and indirect costs. Direct costs, in this instance, are the medical and social/non-medical care costs related to dementia; on average, expenses included $273 per month spent on medical supplies...

Your Retirement and The SECURE Act of 2020

Posted by Brad Sarkauskas | Feb 03, 2020 | 0 Comments

Congress has passed a bipartisan appropriations bill. In the contents of this spending bill is a piece of legislation known as the Setting Every Community Up for Retirement Enhancement Act (SECURE), the first significant change in retirement legislation since the Pension Protection Act in 2006....

Planning for Your Blended Family

Posted by Brad Sarkauskas | Jan 27, 2020 | 0 Comments

Couples often bring children into a marriage from a prior marriage or union and then have children together. This is often referred to as a blended family. Blended families highlight the need for careful estate planning to make sure the needs of each spouse are met, as well as the needs of each...

Why is a Living Will Important?

Posted by Brad Sarkauskas | Jan 20, 2020 | 0 Comments

A living will lays out your preferences for life-sustaining medical treatment.  It is often accompanied by a health-care proxy or power of attorney, which allows someone to make treatment decisions for you if you are incapacitated and the living will does not have specific instructions for the ...

Caregiving for Your Spouse

Posted by Brad Sarkauskas | Jan 06, 2020 | 0 Comments

Caring for a seriously ill spouse can trigger relationship challenges.  In the process of change, you can lose your best friend, your love, and your future as you both had imagined it. Promises will change from words spoken in oath on your wedding day to deeds of care in your mostly, but not ex...

Bacteria: The Source of Many Diseases

Posted by Brad Sarkauskas | Dec 23, 2019 | 0 Comments

Health experts have been advising people for years about unhealthy habits being the cause of "lifestyle" diseases that are increasing across the US. These lifestyle diseases become more common with age and include heart disease, type 2 diabetes, some cancers, and Alzheimer's disease. Around the...

Is it Time to Rethink Your 401(k) or IRA?

Posted by Brad Sarkauskas | Dec 09, 2019 | 1 Comment is suggesting it is time to rethink your financial retirement portfolio. You may have built up a significant nest egg in a 401(k) plan, but it does come with serious baggage during your golden years. It is impossible to argue against the early stages of a 401(k) when employers mat...

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