When people get married, they can be surprised to learn that their IRA or pension does not automatically pay to their new spouse.  Why not? The bank holding the IRA or pension funds will try to honor whatever the participant first chose when they opened the account. These accounts will always have a nominated beneficiary,…

Most homeowners have heard of umbrella insurance. Sometimes it is offered as an add-on to an automobile insurance policy. But, how many individuals purchase umbrella insurance? Not enough. If one of my clients is involved in a fatal car accident where they survive but the other driver does not, umbrella insurance may come into play….

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