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Almost every parent asks their child, “What do you want to be when you grow up?” The answer is almost never “caregiver to my aging parents.” But the reality of caregiving in America means that many adult children end up in this role, whether they intend to or not.

One thing that almost every client shares, regardless of whether they have children, is a desire to pass down a legacy. That legacy can be anything the client wants it to be. But when children are not a part of the mix, beneficiaries may be less evident, demanding a more in-depth conversation...

Estate planning is critical for clients with minor children, but it is equally important that individuals without children have an up-to-date plan. 

With more adults deciding not to have children, this growing group presents an opportunity for advisors to expand the estate planning conversation to those outside the traditional...

“Who’s going to take care of you when you get older?”

If you do not have children, you may have heard this question from family members or friends. It often comes from a place of genuine concern, but it can also oversimplify the realities of aging. Having adult children...

Estate planning tends to assume a straight line: parents to children. But that assumption does not fit everyone. For people without children, the question becomes, Who should inherit your assets and how do you want your legacy to be carried forward?

Not Having a Will May Leave Your Estate...

If you do not have children, whether by choice or circumstance, estate planning can feel like it was not designed with you in mind. Most of the conversations around estate planning and legacy assume that there is a next generation to plan for. But not having children does not obviate the need...

Informed consent in medicine is an ethical and legal requirement for treatment. It is one of the core principles of the American Medical Association and ensures that patients can ask questions and obtain information about a treatment or procedure and explicitly consent to it.

There are recognized exceptions to...

Although we may not always recognize it, financial decisions and tasks are a part of our everyday lives. They range from daily spending habits to more complex financial planning and include everything from checking account balances and paying bills to updating insurance and signing contracts to making investments and retirement planning.

Death is the elephant in the room when it comes to talking about estate planning with clients. To avoid causing undue distress, we often edge around it, referring to heirs and beneficiaries or using terms like pass away or pass on.

This is something of a professional courtesy. Clients...

It might be a stretch to say that if you have your health, you have everything. However, to some people, decisions about their health are arguably more personal in nature and more important to their overall well-being than financial decisions.

This leads to the question of who will step...