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Thing One   Using AI Tools To Predict Long-Term Care Needs I recently read an interesting piece on Kiplinger.com about Waterlily, an AI-powered platform that predicts long-term care (LTC) needs and helps you figure out how to pay for them. What struck me most is how fast the whole process works. You answer a short three-minute questionnaire about your health, medications, and family history — and within seconds, Waterlily generates a personalized long-term care report.   The

Thing One The 5 Biggest Investment Regrets Retirees   Retirement is the time when financial decisions made years earlier come into sharper focus. Many retirees look back and wish they’d done things differently. Here are five of the most mentioned regrets from a recent article on Marketwatch.com .   1. Not saving enough - early and consistently According to a MarketWatch survey, nearly 60 % of retirees said they regretted not saving more for retirement. Another version found 7

Thing One Leave Your Spouse A Financial Roadmap We recently read a WSJ story about Alice Nakhimovsky, a 75-year-old retired professor who was left scrambling (for a whole year) to decode her late husband Sasha's financial world after his sudden death.  While sharing the details of Mrs. Nakhimovsky’s story, the article's author highlighted how common it is for one spouse (often the husband) to handle all investments and bills, leaving the survivor overwhelmed.  That observatio

Thing One A Reminder About Long Term Care Insurance Long-term care insurance (LTCI) is a critical financial tool designed to cover the costs of extended care services, such as nursing homes, assisted living, or in-home health aides, which can easily exceed $100,000 annually in many regions. As people live longer, the likelihood of needing such care increases—nearly 70% of individuals turning 65 today will require some form of long-term support. With rising healthcare costs an

Thing One   $1,000 at Birth, $5 Million by Age 65   Much has been made of the division in our country. In fact, hardly a day goes by when some media personality or politician isn't on camera or on social media highlighting the disparity between the haves and the have nots. The only solution ever offered up by the critics though seems to be some type of Robinhood scheme where the rich are taxed and the money is given to the poor. Unironically for those of us who have been payi

Thing One   A Medicare Open Enrollment Primer   Medicare Open Enrollment, which runs from October 15 to December 7 each year, is your opportunity to review and change your health coverage for the coming year. Even if you’re satisfied with your current plan, it’s important to review your options — plans change their premiums, coverage, and provider networks annually. During this period, you can switch between Original Medicare (Parts A and B) and Medicare Advantage (Part C), c

Thing One   The Savings and Inflation Relation(ship) Savings accounts and high-yield checking accounts certainly have their place in a sound financial plan. They offer liquidity, stability, and easy access to funds for emergencies or short-term needs. But the truth is, the modest interest they provide rarely keeps pace with inflation. For example, if a savings account pays 1% annually while inflation runs at 3%, the real rate of return is actually -2%. That means your money i

Thing One   What Would You Do?   Here's a question for you:   If your best friend told you he was making lots of easy money trading options, what would you do?   The answer is, you should do what you want.  But, if you do decide to start trading options, you should get some understanding of what that really means.  And, hopefully, as a part of gaining that understanding, you’d come to the same conclusion that many people, including the ones at clarkfinancial.com , have:   “Th

Thing One     Who Needs A Financial Advisor And Why   Planning for Retirement As retirement approaches, financial decisions become more complex. Questions about when to claim Social Security, how to draw from savings, and how to keep income lasting for life can feel overwhelming. A financial advisor can design a tax-smart withdrawal plan and align investments with your long-term needs.   Managing Wealth or Complex Finances Those with significant assets, multiple income source

Thing One   Where There’s A Will, There’s A Say   Having a will is one of the most important steps anyone with assets can take, regardless of age or wealth. A will ensures that your property, money, and personal belongings are distributed according to your wishes, rather than leaving those decisions up to the courts. Without one, state laws (known as intestacy laws) determine who inherits your estate, which may not align with your preferences. This can also cause unnecessary