A broken sternum. It turns out that there is a significant amount of financial planning that results from breaking your sternum. One week after my wedding (and the day before I was to leave for my honeymoon), my mother called…
The bee seems like a simple insect, but without its ability to pollinate plants, we would most likely starve. Water seems simple enough, but it is the source of life to all living organisms. Air is nothing more than a…
The Internal Revenue Service (IRS) uses algorithms (i.e., computer program applications) to examine the data that it receives and then fires off notices to taxpayers to explain distributions from individual retirement accounts (IRAs) and other forms of retirement accounts. When…
My grandmother loved history, especially our family history. As a genealogist in the time before computers, she painstakingly researched our family tree, taking trips to the birthplaces of our ancestors, collecting history, and compiling it in her library. She was…
This article discusses a matter that we at the Financial Consulate recommend for nearly all of our clients. The subject matter will differ from what we have discussed in previous articles, in that as the author, I am going to…
When preparing for retirement, you may be faced with a decision that will launch you into the next chapter of your life: your company retirement plan may offer a lump sum or pension option upon retirement. Choosing the right option…
With the growing prevalence of technology in our daily lives, identity theft is becoming an increasingly more common occurrence. The Financial Consulate strongly recommends mitigating the risk of identity theft by utilizing the following recommendations: Check your credit report at…