SEEDS OF KNOWLEDGE

Skepticism grows whenever I see retirement assets heavily concentrated in annuities without a compelling planning rationale. It grows when married couples have all of their IRA money tied up in insurance products. Skepticism grows when the contracts are spread across different carriers without a clear economic reason. Skepticism grows even more when one annuity is replaced by another just as the old surrender period ends, because that pattern raises serious questions

How to Manage Inherited Wealth Effectively: Your First Moves. The moment you receive an inheritance, it’s tempting to jump right in—maybe pay off debts, buy something special, or invest immediately. But before you do anything, take a breath and pause. Here’s what I recommend: Take Inventory: List out everything you’ve inherited. This might include cash, investments, property, or even personal items of value. Knowing exactly what you have is the foundation of smart management.