How Annuities Work Annuities are a type of insurance contract designed to turn your balance into future income. You can buy an annuity with a single lump sum payment or through many small payments over time. The annuity may then grow your balance, according to the type of annuity you choose. When you are ready,…

When ordering an estate appraisal, one of the most important decisions you’ll need to make is the effective date of value — that is, the specific day the appraiser is estimating the property’s market value. This can be a bit confusing, especially if multiple family members, tax professionals, or attorneys are involved. We’re here to…

As we age most of us experience some health changes.  Perhaps one of the most dreaded is memory loss.  While some forgetfulness can be upsetting, it can also be a normal part of aging.   All of us can misplace items and eventually find them.  Someone with dementia may misplace an item by putting it in…