The Financial Impact of Declining Health & Wealth Transfer
A fiduciary’s take on the two biggest destroyers of your retirement wealth
Two things destroy more retirement wealth than any bear market. Neither is in your portfolio.
The market never laid a hand on them. The last chapter did.
The two most reliable destroyers of retirement wealth are not bad markets. They are declining health, which can spend a life’s savings in a handful of years, and wealth transfer, which decides how much of what remains ever reaches your family. Both respond to paperwork — signed early, under the right state’s law.
- Medicare vs. Medicaid — and the five-year clock that meters every protection trust
- Guardianship vs. a power of attorney: the same authority at a hundred times the price
- Florida’s rules: who may represent your estate, and the homestead’s two faces
- Bequests measured the honest way — net, at your heirs’ brackets
The chapters
Demote the two destroyers — from catastrophes to line items.
Read Declining Health & Wealth Transfer.
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