Key Estate Planning Documents

Author: Mark Rioboli, CFP®, CFS

Mark A. Rioboli, CFP®, CFS is Director of Wealth Management for Independence Advisors, bringing over 30 years of experience in the wealth management industry. Have a question for Mark? CLICK HERE TO ASK MARK

November 1, 2012  |  

Key Estate Planning Documents

Estate planning is a vital component of every financial plan, regardless of the size of the estate. Unfortunately, it’s also an area that is commonly overlooked. This often results in wasted dollars and emotional hardship that could otherwise be minimized with proper advance planning and action. Key Estate Planning Documents You Need There are four […]


October 17, 2012  |  

Medicare 2013 Annual Enrollment Period

The Medicare open enrollment period is the time during which people with Medicare can make new choices and pick plans that work best for them. Each year Medicare plans typically change what they cost and cover. In addition, your health-care needs may have changed over the past year. The open enrollment period is your opportunity […]

July 26, 2012  |  

The Value of Independence

Independence can mean different things to different people but when it comes to trust services, the definition becomes even more unclear.  Most people depend upon their centers of influence when it comes to managing a trust.  Estate planners, attorneys, and accountants help identify the right trust company for their clients.  Many times these professionals do […]

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July 13, 2012  |  

The New 3.8% Investment Tax

On June 28, 2012, the US Supreme Court ruled, in a landmark decision, that the Patient Protection and Affordable Care Act (ACA) is constitutional. The ACA was signed into law in 2010 and among its many provisions is a 3.8% tax on some or all of the net income of higher income individuals. The tax […]

May 31, 2012  |  

Changes at The Social Security Administration

Last year the Social Security Administration suspended the mailing of the Annual Benefit Estimate Statements due to federal budget considerations. Recently they resumed sending the Statement, but only to people who are age 60 and older and who are not yet on benefits.  People younger than age 60 will not have a Statement mailed to […]

April 16, 2012  |  

The Long-Term Care Dilemma: Insurers Leaving, Premiums Increasing

We often receive questions about long-term care insurance and those questions have increased lately with the news that several insurers are leaving the long-term care market. While most of our clients have done a fantastic job of accumulating assets and self-insuring their long-term care needs, parents, family and friends may benefit from the following insights […]

March 12, 2012  |  

Charitable Giving Made Easy

A donor-advised fund offers an easy way for a donor to make significant charitable gifts over a long period of time. It’s similar to a private foundation but requires less money, time, legal assistance, and administration to establish and maintain. A donor-advised fund also enjoys greater tax advantages than a private foundation.   What is […]