This phase occurs during the final years of the accumulation phase and should begin when you reach 50 years old or are 15 years away from retiring, whichever happens first. Now is the time to get your plan in place, making sure your finances are lined up correctly for retirement day so nothing will be left to chance. If you work for a company with a benefits specialist, arrange an appointment to become informed about the various ways you can convert your employer retirement savings into a stream of income or an IRA. Give yourself time to learn the ropes…
Read More »
o Would you want the following medical treatments? Kidney Dialysis (if kidneys not working) CPR (used if heart stops working) Respirator (unable to breathe) Artificial nutrition (unable to eat food) Artificial hydration (unable to drink fluids) o Imagine that you are in a permanent coma and dependent on a feeding tube. Would your medical decisions be guided by any particular religious beliefs or spiritual values? o Are some conditions worse than death? If you are housebound, in severe discomfort or pain most of the time, would you want medical treatments to keep you alive? o Discuss your…
Read More »
A health care agent is a person you appoint to make medical decisions on your behalf if you are incapacitated or unable to make any decisions. A Living Will (Advanced Directive) expresses your wishes about your health care including, but not limited to, resuscitation, life sustaining treatments (respirator, feeding tube, etc.) and withholding / withdrawing of life sustaining treatments. The Living Will is only effective when you are terminally ill or unconscious and unable to communicate your wishes. When it comes to making decisions regarding end of life issues, do you know your wishes or have you communicated those wishes…
Read More »
Frederick, MD 
301-663-9230
