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Think your savings account is on track? A simple rule — and a quick reality check about inflation — might completely change how you plan your investment goals.

By Thomas R. Kestler Pretty abrupt, huh? We’re all going to die, and we never know how much sand is left in the hourglass. If your sand ran out tomorrow, would you be leaving a mess for your family? In an earlier article I discussed the need for life insurance which provides instant liquidity in the event of a premature death. Life insurance, however, is just the tip of the iceberg. What happens to the rest of your “stuff” after you die? The role of estate planning is to simp

Life insurance decisions depend on knowing how much coverage you actually need—which changes over life stages—because getting the right amount matters far more than the policy type, with term and permanent options best used strategically as needs rise and fall over time.