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19 Sep
16 Sep

Now That’s Awkward!

6a01b8d0a6271d970c01bb086d83ed970d-500piAn awkward part of estate planning is telling your kids how much — or how little — they’ll get. Here’s how a financial planner can help. For clients, one of the most stressful aspects of estate planning — already an emotionally difficult process — is the prospect of telling heirs what they plan to do with their assets. Because conversations about legacy plans can be terribly difficult, clients may avoid them at all costs — and the costs can indeed be substantial. read more

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15 Sep

Dropping the Struggle with Change

by Roger Housden

 

Change itself is the one certainty we can be absolutely sure of. You might say this is obvious. We all know this already. Except that we don’t, or at least we don’t often act as if we do, when change arrives on our doorstep. We may have lived for years as the lead character in a story that has enabled us to feel secure in our job, in our family relationships, in our place in the world. Or we may have lived for decades secure in the story of our suffering, the injustice done to us, the bad hand we were given.

 

Either way, our belief in the story is what creates some sense of a solid identity, which in turn gives us the illusion of security. But then the house of cards can fall at any time, as we also know from our experience, which is why, deep down, however rosy our picture may seem, a constant vein of subliminal anxiety about what might happen next is likely to be running through us.

 

Our life is already, even now, slipping through our fingers. So given that nothing we are familiar with, including ourselves, is going to last, how can we live another day without breaking out into a cold sweat?

 

We can bow to whatever passes across our landscape. We can trust the inscrutable intelligence of the life that is living us, as it is showing up for us, in this very moment. If it is sorrow, let us make friends with sorrow. Let us not drown but swim in the waters of sorrow. Naomi Shihab Nye, in her wonderful poem “Kindness,” says that if you are ever to know what kindness really is,

 

You must lose things,

feel the future dissolve in a moment

like salt in a weakened broth.

 

Why does she say this? Because the experience of loss brings us close, not only to someone dear whom we may have lost but to the whole of humanity; for every individual has and always will know loss. Loss breaks the heart open, and when the heart breaks open we become a kindness to ourselves and to the world.

 

In the great themes of life — love, loss, parting, and death — poetry can surpass scripture in slipping the visceral experience of a deep truth into the bloodstream. It feeds the imagination with shimmering images more than the mind with the letter of the truth. In his Sonnets to Orpheus, Rilke urges us:

 

Want the change. Be inspired by the flame

Where everything shines as it disappears.

(translated by Anita Barrows and Joanna Macy)

 

Exquisite image! Why does he exhort us to want the change? Because change is the way it is. We harbor notions of what is good for us and what is not, and try to organize and strategize accordingly. Yet life does what it does without concern for our preferences, so Rilke is urging us to look beyond the parade of circumstances and events to the fundamental fact of change itself. In wanting the change, we are aligning ourselves with truth, with what is already happening.

 

We flow rather than self-consciously make our way. In that flow, the sense of who we are and where we are going becomes more malleable and fluid, more responsive to the conditions around us instead of bound by fixed beliefs and agendas. In the flow of change, we forget ourselves, and a deeper remembrance emerges — the remembrance of being always and ever joined to a greater life — not as an elegant concept but as a lived experience in the moment.

 

So Rilke is urging us to want the change that is happening, to embrace it, whatever it is. If we are in the middle of a divorce, let it be that. If we have lost our job, let it be that, and if we are dying, may it be so. Of course it’s not easy. Nobody willingly allows herself to be dismembered, torn apart, crushed like a grape between the fingers. The ego will never assent to the sacrifice of the story it has so lovingly tended. The impulse must come from something else in us, another organ of awareness, you might say, that knows somehow, however much it hurts, however much we may be on the rack — a sacrificial lamb, it may seem to us — that what is happening is true, necessary, inevitable, and ultimately, therefore, good. .

 

# # #

 

Roger Housden is the author of Dropping the Struggle and numerous other books, including the best-selling Ten Poems series, which began in 2001 with Ten Poems to Change Your Life and ended with Ten Poems to Say Goodbye in 2012. Visit him online at www.RogerHousden.com.

 

Excerpted from the book Dropping the Struggle: Seven Ways to Love the Life You Have. Copyright © 2016 by Roger Housden.

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14 Sep

The Basics of Estate Planning

draft_lens6229982module49470302photo_1249598396business-manToo often, the need for the most basic estate-planning documents is overlooked or misunderstood. While many people would admit they should have a will, 50 percent of Americans with children and 41 percent of baby boomers age 55 to 64 don’t have one, according to a survey from online legal services company RocketLawyer.com. If you want to stay in control of your money and medical decisions until the end, here are the five most important estate-planning documents you need to have. read more

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12 Sep

Who Gets What?

Senior Couple on Computer - VerticalThe murkiest part of estate planning is discussing when and how to distribute your assets to your heirs. This process requires a series of considerations and trade-offs to avoid emotion-laden family problems… when it comes to these issues, things get gray because emotional factors drive decisions now. There is no correct answer on how to distribute your estate. read more

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09 Sep

Where There’s a Will …

6a01b8d0a6271d970c01b7c7cc7b7b970b-320wiThere are a multitude of mistakes that people make when it comes to putting together their wills.  These include naming of executors and custodians, trying to write their own wills, and not considering items such as liquidity. One of the colossal failures in estate planning I witness when people make their wills is not coordinating the will with the overall beneficiary designations they have chosen. read more

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07 Sep

Just One Question: What is Estate Planning?

6a01b8d0a6271d970c01b7c7c93159970b-500piWhat is estate planning? Do you think it is only for the rich? One of the greatest gifts you can leave your loved ones is an organized estate. The time that you spend now will help your loved ones cope later, and ensure your wishes are carried out. An estate is all the rights, titles and interests that a person (living or deceased) has in any property. Estate planning is the process of planning for the accumulation, conservation and distribution of an estate to effectively and efficiently accomplish tax and non-tax objectives. read more

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05 Sep

Estate Planning Lessons from Hollywood

6a01b8d0a6271d970c01b7c7cc7927970b-500piCelebrities seem to live a charmed life, but for all the advice they can buy, they’re still not immune to estate planning issues and the consequences of ignorance and bad planning. Several recent celebrity estate issues in the news highlight how important it is to plan ahead and get professional advice when setting up your estate plans. read more

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02 Sep

Keep Up Financially with the Changing Seasons

MP900262644As the summer comes to an end and we head into the fall, a parallel can be drawn between the seasons of weather and the seasons of money. Just as you have spring, summer, fall and winter, there are four financial seasons of life that include accumulation, preservation, distribution and succession. Approaching your finances with these four seasons in mind can help to keep you on track toward reaching your long-term financial goals. read more

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01 Sep