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

The article reveals “the rest of the story” behind financial marketing claims by showing how advisors still profit even when clients lose money and how some firms avoid certain products not because they’re bad for clients, but because they reduce the firm’s fees.

Before you get dazzled by financial “Pops” that seem too good to be true, make sure you understand the hidden “Squeeze” that could cost you far more in the long run.

In the 1971 movie classic, Dirty Harry, Clint Eastwood has a criminal cornered and utters one of the most iconic lines in movie history… “I know what you’re thinking: 'Did he fire six shots or only five?' Well, to tell you the truth, in all this excitement, I’ve kinda lost track myself. But being this is a .44 Magnum, the most powerful handgun in the world, and would blow your head clean off, you’ve got to ask yourself one question: 'Do I feel lucky?' Well, do you, punk?” Rec

By Thomas R. Kestler Age. It’s just a number, right? Turns out, there’s a lot more to it. Our chronological age clock started ticking the day we were born. And, with each circumnavigation of the sun, our chronological age adds one year. Pretty simple. But, over the last decade or so, the medical community has begun paying attention to our biological age. Biological age is defined as an estimate of the individual’s position with respect to his or her potential life span. Biolo