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Retirement Watch Weekly: Successful Estate Planning, Part 2

Retirement Watch Weekly
Brought to you by Eagle Financial Publications

Successful Estate Planning, Part 2


How to Make Sure Your Nest Egg Lasts The Rest of Your Life…
And Then Some!

Whether you are 40 or 80, forget everything you’ve heard about retirement. It’s all changed and will change again. I can show you how to stay on top of these changes, and use them to create the retirement you desire.

For my full research, just click here now.

Bob CarlsonFellow Investor,

In last week’s issue, we learned that allocating the estate is the first step of planning.

For this or any other estate plan to work, the children and any other heirs need to be informed of the plan early. They need to be prepared to handle the assets.

That involves regular communication and education. The best estate plan on paper doesn’t work if the assets and plan are dumped onto the children without any preparation.

Most people don’t involve their children in financial matters early enough. Parents should be talking with their children about money from an early age, but it’s never too late to start.

First, you need to be clear what the wealth means to you and what its purpose is. They also should know in general what’s important to you and what you value.

Finally, you need to consider how you communicate and how others in your family communicate. Everyone has a different communications style. When the styles don’t mesh and no one tries to modify his or her style, there is no communication.

Consider how your family members communicate and decide if your style can be modified during family get-togethers to improve communication. Ideally, this leads to a process in which the children are involved in decisions about the money.

This should be a gradual process. You want to impart your values and experience and teach the children about handling money.

But you’ll definitely want a transition, because you don’t want decisions made that endanger your lifestyle or wealth. Many people find a good early step is to involve the children in choosing the objects of family charitable gifts.

At some point, your financial advisors meet the family and explain their roles. Some financial professionals also like to meet separately with family members so they can learn things people aren’t willing to say in front of other family members.

The estate planner could explain the current plan. An investment advisor can explain the portfolio and the strategies for it. These experts might explain things and answer questions better than the parents can, or family members might be willing to ask questions they wouldn’t ask a parent.

Very wealthy families that are successful in perpetuating wealth and family unity establish a formal process.

For example, they often form a family council and might have a family charitable fund with a board of family members that chooses the gifts. Additionally, they may have experts on family wealth moderate discussions in which the family participates.

Of course, not every family needs a formal process like that. But every family should try to establish multi-generational communication on these issues. Most estate planners can help with the process or refer you to someone who helps with the process.

You also can contact The Heritage Institute ( or read the organization’s novel, “What Matters,” by Cam Thornton and Rod Zeeb.

Until next week,
Bob Carlson
Bob Carlson
Editor, Retirement Watch Weekly

Publisher's Note: Here’s what paid-up subscribers have access to in the new April issue of Retirement Watch:

  • Avoiding the 7 Deadly Estate Planning Mistakes
  • Transferring Family Real Estate
  • Maximizing the Power of the “Stretch IRA”
  • All About Second Homes and Vacation Homes
  • How To Beat the “Downsizing Surprises”

  • Click here to join Retirement Watch, and get immediate access to this month’s issue, plus the full archive of back issues and special reports.

    Can You Really “Insure” Your Retirement? YES – With this…

    Click here now. When you do, I will show you how to virtually “insure” your wealth from losses – no matter what the market throws at you. It’s a simple plan, first developed over 40 years ago. And it’s “insured” thousands of regular folks just like you from devastating market crashes… one after another.

    1981… 1987… 1990… 2000… 2008… this simple plan protected investors from losing their hard-earned money. Follow this link to learn more.

    Bob's Blog

    Why You Might Overpay for Medicine
    by Bob Carlson
    Editor, Retirement Watch

    It doesn’t have to do with drug companies raising prices. This article explains that pharmacy benefit managers often negotiate some strange-seeming deals that cause customers to be charged copays for generic medicines that are higher than the cost of the generics. It’s interesting reading.

    Benefit managers are obscure but influential middlemen. They process prescriptions for insurers and large employers that back their own plans, determine which drugs are covered and negotiate with manufacturers on one end and pharmacies on the other. They have said their work keeps prices low, in part by pitting rival drugmakers against one other to get better deals.

    The clawbacks work like this: A patient goes to a pharmacy and pays a co-pay amount — perhaps $10 — agreed to by the pharmacy benefits manager, or PBM, and the insurers who hire it. The pharmacist gets reimbursed for the price of the drug, say $2, and possibly a small profit. Then the benefits manager “claws back” the remainder. Most patients never realize there’s a cheaper cash price.

    Perspective on Rising Home Prices

    S&P Case-Shiller and other indexes have been reporting steady increases in home prices. The latest Case-Shiller survey put the December 2016 increase at 5.8%. But this article puts home prices in perspective, taking into consideration long-range price changes and inflation adjustments. The bottom line is that after- inflation home prices are around 2003 and 2004 levels.

    It has been more than ten years since the bubble peak. In the recent Case-Shiller release, the seasonally adjusted National Index (SA), was reported as being 1.4% above the previous bubble peak. However, in real terms, the National index (SA) is still about 14.5% below the bubble peak.

    The year-over-year increase in prices is mostly moving sideways now just over 5%. In December, the index was up 5.8% year over year.

    Ronald Reagan's "Biggest Regret" Is About To Crush Retirees

    Former attorney general and Reagan confidant Ed Meese called it “the greatest domestic error of the Reagan administration.” It's been secretly fleecing U.S. taxpayers for the last 34 years… but that's nothing compared to the devastation it will cause in 2017, and beyond.

    If you're a retiree (or soon to be one), make sure you don't get wiped out. Click here for the full story.

    Want More Retirement Advice?

    Check out my website,, where you’ll find hundreds of free articles covering every aspect of retirement planning.

    Popular Posts:
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    Bob Carlson

    About Bob Carlson:

    Robert C. Carlson is the author of the books The New Rules of Retirement and Retirement Tax Guide, editor and investment director of the popular retirement newsletter, Retirement Watch, and editor of the free weekly e-letter, Retirement Watch Weekly.  Bob is a frequent speaker at investment conferences around the country, and you can also hear Bob as a featured guest on nationally-syndicated radio shows, such as The Retirement Hour, Dateline Washington, Family News in Focus, The Michael Reagan Show, Money Matters and The Stock Doctor.
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    Legal Disclaimer: Any and all communications from Eagle Products, LLC. employees should not be considered personal investment advice. Although our employees may answer your general customer service questions, they are not licensed under securities laws to address your particular investment situation. No communication by our employees to you should be deemed as personalized investment advice.

    Eagle Financial Publications - Eagle Products, LLC. - a Caron Broadcasting Company
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