Ronald J. Paprocki, JD, CFP, CHBC

"Estimate how much you will need to spend each year during various stages of retirement," advises Ronald J. Paprocki, JD, CFP, CHBC.

A relatively simple technique called the spousal lifetime access trust has proven especially advantageous and popular among those who have remarried and want to provide for children from a prior marriage.

In addition to registered investment advisers, there are a number of other financial-based professionals who may be in a position to assist you with many financial planning areas.

If one disregards the 1971–'74 period when U.S. investors could not own it directly, gold's long-term performance drops substantially.

While on the surface, it may not seem to matter, there are some important differences between debit and credit cards, and reasons why you should use one form of payment over the other.

What you need to know about health care costs post-retirement and the taxability of municipal bonds.

Holding property in joint tenancy with rights of survivorship (JTWROS) generally provides no asset protection. In fact, JTWROS ownership exposes the property to the creditors of each of the joint tenants.

Often neglected in the life insurance strategy is the estate tax consequence associated with the ownership and ultimate payout of the insurance policy's death benefit.

Asset protection strategies and estate planning techniques often operate in conjunction with each other.

Looking for a financial adviser? With this list of the 150 best financial advisers for physicians, there are plenty to choose from.

2010 will be a pivotal year for retirement planning, as it will be the first time taxpayers will be able to convert funds in regular IRAs to Roth IRAs, regardless of their income level.

Last year's market selloff led many investors to take advantage of some unique tax planning opportunities.

During our working years, we justify the negative impact of inflation by relying on the expectation that our incomes will rise at levels consistent with or above inflation. Unfortunately, many of today's physicians are experiencing just the opposite.

With all of the negative sentiment surrounding the financial markets, is it appropriate to simply avoid them until things improve?