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  1. Millions of Australians will have no say in who inherits their super
    By Nassim Khadem

    New research shows most Australians have not made a legally binding death benefit nomination to ensure their superannuation goes to who they want it to when they die. And many funds do not make it easy.

    abc.net.au/news/2026-08-10/sup

    #Superannuation #Insurance #BusinessandIndustryRegulation #FinancialServices #FinancialPlanning #FinancialMarkets #FederalGovernment #NassimKhadem

  2. Millions of Australians will have no say in who inherits their super
    By Nassim Khadem

    New research shows most Australians have not made a legally binding death benefit nomination to ensure their superannuation goes to who they want it to when they die. And many funds do not make it easy.

    abc.net.au/news/2026-08-10/sup

    #Superannuation #Insurance #BusinessandIndustryRegulation #FinancialServices #FinancialPlanning #FinancialMarkets #FederalGovernment #NassimKhadem

  3. ♻️ 'The Scottish proverb, “The father buys, the son builds, the grandchild sells, and his son begs”, offers a timeless lesson about wealth, family fortunes and financial discipline. The old saying reflects how wealth accumulated by one generation can gradually disappear when later generations fail to preserve, manage or grow it.' m.economictimes.com/magazines/

    🏷️ #FinancialEducation #FinancialPlanning #GenerationalWealth #money #WealthMindset @zeugmatisse

  4. All in one investing apps can feel like a quick way to start, but a strong emergency fund is your first priority. Ask yourself if you have three to six months of essential expenses set aside. BrokerCue’s guide on emergency savings helps you find the right amount before you commit to the market. Take that calm, informed first step.

    #investing #personalfinance #emergencyfund #financialplanning #savings #brokerage

    brokercue.com/blog/emergency-f

  5. KDS Foundation @kierendaystudiosofficial.wordpress.com@kierendaystudiosofficial.wordpress.com ·

    Why Do So Many Small Businesses Fail Within Their First Five Years?

    Every year, thousands of people decide to start a business.Some dream of becoming their own boss.Others want more financial freedom or the opportunity to build something meaningful.Starting a business has never been more accessible, yet many businesses close within their first few years.This naturally leads to an important question.Why do so many small businesses fail within their first five years?One of the biggest reasons is that many businesses begin without solving a real problem.A clever […]

    kierendaystudiosofficial.wordp

  6. KDS Foundation @kierendaystudiosofficial.wordpress.com@kierendaystudiosofficial.wordpress.com ·

    Why Do So Many Small Businesses Fail Within Their First Five Years?

    Every year, thousands of people decide to start a business.Some dream of becoming their own boss.Others want more financial freedom or the opportunity to build something meaningful.Starting a business has never been more accessible, yet many businesses close within their first few years.This naturally leads to an important question.Why do so many small businesses fail within their first five years?One of the biggest reasons is that many businesses begin without solving a real problem.A clever […]

    kierendaystudiosofficial.wordp

  7. Starting to invest without a cash buffer? Data shows that those who skip an emergency fund often sell at a loss when unexpected costs hit. BrokerCue’s guide walks you through how much to save and why this step belongs first in any investing plan.

    #investing #personalfinance #emergencyfund #financialplanning #moneymanagement #wealthbuilding

    brokercue.com/blog/emergency-f

  8. Special Needs Trust – What It Is and Why You May Need One

    Special Needs Trust: Protecting the Future of Your Loved One

    Before making any legal or financial decisions, readers should consult a qualified estate planning attorney or financial advisor. The information below is for educational purposes.

    Planning for the future is one of the most important gifts you can give a loved one with a disability. A Special Needs Trust (SNT) is a legal tool designed to provide financial support while helping preserve eligibility for important government assistance programs such as Supplemental Security Income (SSI) and Medicaid.

    Whether you’re a parent, grandparent, sibling, caregiver, or an individual with a disability, understanding how a Special Needs Trust works can help ensure long-term financial security and peace of mind.

    What Is a Special Needs Trust?

    A Special Needs Trust is a legal arrangement that holds money or property for the benefit of a person with a disability. The trust is managed by a trustee, who uses the funds to improve the beneficiary’s quality of life without directly giving them cash that could jeopardize eligibility for certain means-tested government benefits.

    The trust can pay for expenses that public benefits may not cover, including:

    – Medical and dental expenses
    – Specialized therapies
    – Education and training
    – Transportation
    – Housing-related expenses (with planning considerations)
    – Adaptive technology
    – Recreation and hobbies
    – Personal care services
    – Travel and vacations
    – Home modifications

    The goal is to supplement—not replace—government assistance.


    Why Is a Special Needs Trust Important?

    Many public assistance programs have strict income and asset limits. Receiving an inheritance, legal settlement, or financial gift outright could unintentionally make someone ineligible for benefits.

    A properly drafted Special Needs Trust helps:

    – Preserve eligibility for Medicaid and SSI
    – Protect inherited assets
    – Ensure funds are managed responsibly
    – Provide lifelong financial support
    – Give family members peace of mind
    – Create a structured plan for future care


    Types of Special Needs Trusts

    First-Party Special Needs Trust

    This type of trust is funded using the beneficiary’s own assets, such as:

    – Personal injury settlements
    – Inheritances received directly
    – Savings or other personal assets

    These trusts must meet specific legal requirements and often include Medicaid reimbursement provisions after the beneficiary’s death.

    Third-Party Special Needs Trust

    A third-party trust is funded by someone other than the beneficiary, such as parents, grandparents, or other family members.

    This is often used in estate planning because loved ones can leave money to the trust instead of directly to the individual with a disability.

    Pooled Trust

    A pooled trust combines assets from multiple beneficiaries while maintaining separate accounts for each person. These trusts are managed by nonprofit organizations and may be a practical option for families with smaller estates.

    Who Should Consider a Special Needs Trust?

    A Special Needs Trust may be beneficial if:

    – You have a child with a disability.
    – You care for an adult family member with special needs.
    – A loved one receives SSI or Medicaid.
    – You plan to leave an inheritance.
    – A family member is expected to receive a lawsuit settlement.
    – You want to ensure long-term financial management after you’re gone.

    What Can a Trustee Do?

    The trustee has a legal responsibility to manage the trust in the beneficiary’s best interest.

    Responsibilities include:

    – Managing investments
    – Paying approved expenses
    – Keeping financial records
    – Following trust instructions
    – Protecting government benefit eligibility
    – Coordinating with caregivers and professionals when appropriate

    Choosing the right trustee is one of the most important decisions when establishing a trust.

    Common Mistakes to Avoid

    Families sometimes unintentionally put benefits at risk by:

    – Leaving an inheritance directly to the beneficiary
    – Naming the individual as a direct life insurance beneficiary
    – Giving large cash gifts
    – Failing to update estate planning documents
    – Choosing an inexperienced trustee

    Working with an experienced estate planning attorney can help avoid these costly mistakes.

    When Should You Create a Special Needs Trust?

    Ideally, families should establish a Special Needs Trust as part of their overall estate plan before assets are transferred. Planning early gives families greater flexibility and ensures that financial resources will be available when needed.

    Final Thoughts

    A Special Needs Trust is more than just a legal document—it’s a long-term plan for protecting a loved one’s future. By preserving access to critical public benefits while providing additional financial support, these trusts can help individuals with disabilities enjoy greater independence, stability, and quality of life.

    If your family is planning an inheritance, managing a disability-related settlement, or simply preparing for the future, speaking with an experienced estate planning attorney can help determine whether a Special Needs Trust is the right solution for your situation.

    Follow DoRaleigh.com for daily updates on government meetings, local festivals, and community happenings — your one-stop guide to everything Raleigh!

    Connect With Us: Instagram | Facebook | BSky | Linkedin

    Share With Us: Post your community News, Events, on our Submissions Page.

    Advertise With Us: Interested in Advertising click here.

    Published by Bryan Tomlinson | BTDesigns.pro |

    #DisabilityPlanning #DisabilityResources #EstateAttorney #EstatePlanning #FamilyPlanning #FinancialPlanning #InheritancePlanning #MedicaidPlanning #News #SpecialNeeds #SpecialNeedsTrust #SSIBenefits #TrustFund
  9. Special Needs Trust – What It Is and Why You May Need One

    Special Needs Trust: Protecting the Future of Your Loved One

    Before making any legal or financial decisions, readers should consult a qualified estate planning attorney or financial advisor. The information below is for educational purposes.

    Planning for the future is one of the most important gifts you can give a loved one with a disability. A Special Needs Trust (SNT) is a legal tool designed to provide financial support while helping preserve eligibility for important government assistance programs such as Supplemental Security Income (SSI) and Medicaid.

    Whether you’re a parent, grandparent, sibling, caregiver, or an individual with a disability, understanding how a Special Needs Trust works can help ensure long-term financial security and peace of mind.

    What Is a Special Needs Trust?

    A Special Needs Trust is a legal arrangement that holds money or property for the benefit of a person with a disability. The trust is managed by a trustee, who uses the funds to improve the beneficiary’s quality of life without directly giving them cash that could jeopardize eligibility for certain means-tested government benefits.

    The trust can pay for expenses that public benefits may not cover, including:

    – Medical and dental expenses
    – Specialized therapies
    – Education and training
    – Transportation
    – Housing-related expenses (with planning considerations)
    – Adaptive technology
    – Recreation and hobbies
    – Personal care services
    – Travel and vacations
    – Home modifications

    The goal is to supplement—not replace—government assistance.


    Why Is a Special Needs Trust Important?

    Many public assistance programs have strict income and asset limits. Receiving an inheritance, legal settlement, or financial gift outright could unintentionally make someone ineligible for benefits.

    A properly drafted Special Needs Trust helps:

    – Preserve eligibility for Medicaid and SSI
    – Protect inherited assets
    – Ensure funds are managed responsibly
    – Provide lifelong financial support
    – Give family members peace of mind
    – Create a structured plan for future care


    Types of Special Needs Trusts

    First-Party Special Needs Trust

    This type of trust is funded using the beneficiary’s own assets, such as:

    – Personal injury settlements
    – Inheritances received directly
    – Savings or other personal assets

    These trusts must meet specific legal requirements and often include Medicaid reimbursement provisions after the beneficiary’s death.

    Third-Party Special Needs Trust

    A third-party trust is funded by someone other than the beneficiary, such as parents, grandparents, or other family members.

    This is often used in estate planning because loved ones can leave money to the trust instead of directly to the individual with a disability.

    Pooled Trust

    A pooled trust combines assets from multiple beneficiaries while maintaining separate accounts for each person. These trusts are managed by nonprofit organizations and may be a practical option for families with smaller estates.

    Who Should Consider a Special Needs Trust?

    A Special Needs Trust may be beneficial if:

    – You have a child with a disability.
    – You care for an adult family member with special needs.
    – A loved one receives SSI or Medicaid.
    – You plan to leave an inheritance.
    – A family member is expected to receive a lawsuit settlement.
    – You want to ensure long-term financial management after you’re gone.

    What Can a Trustee Do?

    The trustee has a legal responsibility to manage the trust in the beneficiary’s best interest.

    Responsibilities include:

    – Managing investments
    – Paying approved expenses
    – Keeping financial records
    – Following trust instructions
    – Protecting government benefit eligibility
    – Coordinating with caregivers and professionals when appropriate

    Choosing the right trustee is one of the most important decisions when establishing a trust.

    Common Mistakes to Avoid

    Families sometimes unintentionally put benefits at risk by:

    – Leaving an inheritance directly to the beneficiary
    – Naming the individual as a direct life insurance beneficiary
    – Giving large cash gifts
    – Failing to update estate planning documents
    – Choosing an inexperienced trustee

    Working with an experienced estate planning attorney can help avoid these costly mistakes.

    When Should You Create a Special Needs Trust?

    Ideally, families should establish a Special Needs Trust as part of their overall estate plan before assets are transferred. Planning early gives families greater flexibility and ensures that financial resources will be available when needed.

    Final Thoughts

    A Special Needs Trust is more than just a legal document—it’s a long-term plan for protecting a loved one’s future. By preserving access to critical public benefits while providing additional financial support, these trusts can help individuals with disabilities enjoy greater independence, stability, and quality of life.

    If your family is planning an inheritance, managing a disability-related settlement, or simply preparing for the future, speaking with an experienced estate planning attorney can help determine whether a Special Needs Trust is the right solution for your situation.

    Follow DoRaleigh.com for daily updates on government meetings, local festivals, and community happenings — your one-stop guide to everything Raleigh!

    Connect With Us: Instagram | Facebook | BSky | Linkedin

    Share With Us: Post your community News, Events, on our Submissions Page.

    Advertise With Us: Interested in Advertising click here.

    Published by Bryan Tomlinson | BTDesigns.pro |

    #DisabilityPlanning #DisabilityResources #EstateAttorney #EstatePlanning #FamilyPlanning #FinancialPlanning #InheritancePlanning #MedicaidPlanning #News #SpecialNeeds #SpecialNeedsTrust #SSIBenefits #TrustFund
  10. Thinking about opening a brokerage account? First, ask yourself: do you have an emergency fund? It is your financial safety net, and building it before investing is a smart move. BrokerCue’s guide helps you figure out how much to save and why it matters. Check it out and start your investing journey on solid ground.

    #emergencyfund #investing #personalfinance #financialplanning #moneymanagement #saving

    brokercue.com/blog/emergency-f

  11. When choosing index funds for the long run, look for low expense ratios, broad diversification, and a clear tracking index. BrokerCue's guide Index Funds Vs Actively Managed Funds breaks down why these green flags matter and how they compare to actively managed options. A calm, steady approach often wins.

    #investing #indexfunds #passiveinvesting #financialplanning #longterminvesting

    brokercue.com/blog/index-funds

  12. Here I was thinking PhantomReferences were the spookiest thing I’d have to deal with in my career.

    Then IRS Section 988 Phantom Gains entered the chat.

    #DIY #FinancialPlanning

  13. 📊 Before signing your next loan agreement, check for the hidden costs that could impact your budget. Understanding all charges helps you avoid surprises and save money over the loan tenure.

    🔗 Explore the full guide: go-infofinance.com/blog/hidden

    #FinanceTips #LoanGuide #SmartBorrowing #FinancialPlanning #MoneyTips #IndiaLoans

  14. Trust Income and Shifting Tax Sands

    A new tax proposal may change how income from trusts is taxed for those earning $180,000 annually from capital gains and dividends. Find out what could change.

    #TrustTax, #IncomeTax, #CapitalGains, #DividendTax, #FinancialPlanning

    newsletter.tf/new-trust-tax-pr

  15. Before applying for a personal loan, make sure you’re not making these common mistakes. ✅
    This quick guide explains why loan applications fail and what you can do to get approved faster.

    Learn more: go-infofinance.com/blog/person

    #LoanAdvice #MoneyTips #CreditScoreTips #FinancialPlanning #LoanApplication #FinanceEducation

  16. 5 Last-Minute Tax-Filing Tips For Retirees Before Apr. 15

    #TaxTips #RetirementPlanning #IRA #HSA #RMD #TaxSeason #FinancialPlanning #MoneySavingTips Maximize your tax filings and fight rising costs with essential retiree financial strategies. Learn quick tips for IRA and HSA contributions for 2025, and don't miss the new $1,000 deduction for those 65+. Yahoo Finance Senior Columnist Kerry Hannon goes over some last-minute tips for retirees before the April 15…

    fllics.com/en/video/5-last-min

  17. Important Dates in March – Financial, Travel and Healthcare Deadlines to Know

    Stay Ahead: Key March 2026 Dates You Shouldn’t Miss

    March isn’t just about spring weather and St. Patrick’s Day celebrations — it’s also a crucial month for financial planning, healthcare decisions, and travel savings. Whether you’re budgeting, planning summer trips, or reviewing health coverage, these important March 2026 dates can help you stay organized and save money.

    March 1 — Start Planning Summer Travel & Activities

    Early March is an ideal time to begin booking summer camps, flights, and vacation plans.

    Why it matters:

    Many summer camps offer early-bird discounts of 10–20% for families who register before spring deadlines. Airline tickets can be up to 25% cheaper when booked about three months ahead of travel. Setting up airfare alerts helps track price drops and deals.

    Helpful tip:

    Create travel price alerts and start comparing options now to avoid peak-season price spikes.

    March 15 — Flexible Spending Account (FSA) Deadline

    If your employer offers a grace period for 2025 FSA funds, March 15 is commonly the last day to spend remaining balances.

    Key details:

    FSA funds can cover eligible healthcare expenses such as dental care, vision services, prescriptions, and medical supplies. Contributions are pre-tax, often saving about 30% on healthcare costs. Unused funds may expire after the deadline depending on your plan rules.

    Check your FSA balance now and schedule eligible purchases or appointments before the cutoff.

    March 31 — Medicare Advantage Open Enrollment Ends

    March 31 marks the final day of the Medicare Advantage open-enrollment period.

    What this means:

    You can switch Medicare Advantage plans or return to Original Medicare. Updated 2026 plan changes include cost adjustments and benefit updates. Reviewing coverage ensures your healthcare plan matches your current needs.

    Recommendation:

    If you or a loved one is enrolled in Medicare Advantage, review options before the deadline to avoid waiting until the next enrollment period.

    Why These March Dates Matter

    Staying aware of financial and healthcare deadlines can help you:

    Save money on travel and summer programs Maximize tax-advantaged health benefits Avoid coverage gaps or missed enrollment windows Improve overall financial planning

    Final Takeaway

    March 2026 offers several opportunities to make smart financial, travel, and healthcare decisions. A little planning now can mean lower costs, better benefits, and fewer last-minute surprises later in the year.

    Stay connected with DoRaleigh.com for more practical tips, local updates, and resources to help you stay informed year-round.

    Post your community News, Events, and you can request placing a Paid ad on our Submissions Page.

    Follow Us: Instagram | Facebook | BSky | Linkedin

    #BudgetPlanning #DoRaleighTips #FinancialPlanning #FSADeadline #HealthCarePlanning #ImportantDates #March2026 #MedicareEnrollment #News #SummerTravelDeals #TravelTips
  18. Credit cards now dominate as shoppers plan record holiday spending: TransUnion Q4 2025 study shows 42% of Americans will rely on credit cards for holiday purchases, up from 38% last year, as 58% plan to spend over $250 despite inflation. ppc.land/credit-cards-now-domi #CreditCards #HolidaySpending #ConsumerTrends #TransUnion #FinancialPlanning

  19. 🧑‍🏫 THIS WEEK - come along to our CPC-CG/CRA webinar with Dr Spela Mocnik who will discuss how factors like financial mindsets, access to knowledge, and social context interact to influence financial resilience in later life, based on findings from the #ESRC-funded 'Promoting inclusivity in #pension protection and other forms of #saving among men and women from black and #minority #ethnic communities in the UK' project.

    Register to join: cpc.ac.uk/activities/full_even

    #financialplanning

  20. A research dissemination event led by CPC-CG's Athina Vlachantoni has brought findings from an #ESRC-funded project to stakeholders, contributing important insights to #academic and #policy debate about #pension protection and #pensionreform.

    Read the full story: cpc.ac.uk/news/latest_news/?ac

    #demography #socialscience #economics #financialplanning #ageing #gerontology #workinglives #retirement #retirementplanning

  21. 🗞️ 🗞️ Away for the summer and missed the latest #ChangingPopulations magazine?

    If so, you missed lots of articles about our latest research and activities, including the article on UK ethnic #pension gaps leaving minority ethnic communities worse off in #retirement, with women more disadvantaged than men - head to section 8 to read more, then stay to read the rest:

    ▶️ sway.cloud.microsoft/urKHaLPBn

    #demography #socialsciences #population #economics #ageing #financialplanning #pensions