#financialplanning — Public Fediverse posts on home.social

Ireland @[email protected] · 2026-09-07 · 08:19 UTC

https://www.europesays.com/ie/676515/ Is ₹20-30 lakh enough for financial security: How to calculate your ideal cushion #Business #Éire #EmergencyFund #FinancialCushion #FinancialPlanning #FinancialSecurity #IE #Ireland #JobLoss #MedicalEmergencies #PersonalFinance #PersonalFinance #savings

#savings #personalfinance #medicalemergencies #jobloss #ireland #ie

Ireland @[email protected] · 2026-09-06 · 03:09 UTC

https://www.europesays.com/ie/674785/ PPF, NSC, KVP or SSY: How many small savings schemes should you have in your investment portfolio #Business #Éire #EmergencyFund #FinancialPlanning #FixedIncomeProducts #IE #Investing #InvestmentGoals #Ireland #KVP #LongTermGoals #LongTermWealthCreation #NSC #PersonalFinance #PersonalFinance #PPF #PublicProvidentFund #SmallSavingsSchemes" #SSY #TaxPlanning #TaxFreeReturns #WorkingAgeInvestors

#workingageinvestors #taxfreereturns #taxplanning #ssy #smallsavingsschemes #publicprovidentfund

Ireland @[email protected] · 2026-09-05 · 16:34 UTC

https://www.europesays.com/ie/674139/ What Gen Z can do differently to avoid being over-leveraged and under-insured – Livemint #Business #CreditCards #Éire #EMIs #FinancialPlanning #GenZ #HealthInsurance #IE #Ireland #loans #OverLeveraged #PersonalFinance #PersonalFinance #TermInsurance #UnderInsured

#underinsured #terminsurance #personalfinance #overleveraged #loans #ireland

Ireland @[email protected] · 2026-09-05 · 08:19 UTC

https://www.europesays.com/ie/673597/ ‘I retired early – will my £1.2mn pension see me through?’ #Business #Éire #FinancialPlanning #IE #Ireland #Pensions&Retirement #PersonalFinance #PersonalFinance #PortfolioClinic #SIPPs&PersonalPensions #StandardArticle

#standardarticle #sipps #portfolioclinic #personalfinance #pensions #ireland

UK @[email protected] · 2026-09-05 · 07:25 UTC

https://www.europesays.com/uk/1187473/ Planning early retirement in India? Experts explain the right equity allocation, SIP strategy and portfolio approach #Business #DiversifiedPortfolio #EarlyRetirement #EquityAllocation #EquityDebtPortfolio #Finance #FinancialGoals #FinancialIndependence #FinancialNecessity #FinancialPlanning #Investing #LifestyleInflation #MutualFunds #PersonalFinance #RetirementCorpus #RetirementPlanning #RiskAppetite #SavingsRate #UK #UnitedKingdom

#unitedkingdom #uk #savingsrate #riskappetite #retirementplanning #retirementcorpus

People @[email protected] · 2026-09-05 · 01:02 UTC

https://www.europesays.com/people/215627/ The Investing Advantage Warren Buffett Left Behind – September 4, 2026 #Financial #FinancialPlanning #Investing #Investment #InvestmentAdvice #OnlineInvestment #OnlineStockTrading #OnlineTrading #quote #Quotes #stock #StockMarket #StockQuotes #Stocks #WarrenBuffett

#warrenbuffett #stocks #stockquotes #stockmarket #stock #quotes

ABC Feeds @[email protected] · 2026-08-18 · 14:30 UTC

Government to crack down on super switching schemes
By Nassim Khadem

Unlicensed telemarketers that cold call and make unsolicited approaches to consumers to convince them to switch their super will be banned under long-awaited reforms.

https://www.abc.net.au/news/2026-08-19/telemarketers-the-target-of-government-crackdown-super-switching/107045422

#Superannuation #ScamsandFraud #FinancialServices #FinancialMarkets #FinancialPlanning #FinancialAdvisers #FederalGovernment #SocialMedia #NassimKhadem

#superannuation #scamsandfraud #financialservices #financialmarkets #financialplanning #financialadvisers

ABC Feeds @[email protected] · 2026-08-10 · 19:10 UTC

Where does your superannuation go when you die?
By Nassim Khadem

Millions of Australians could have no say in who inherits their superannuation. Here's how to check if you're one of them, and how to make sure your wishes are followed.

https://www.abc.net.au/news/2026-08-11/superannuation-death-benefit-binding-non-binding-nomination-will/107016846

#Superannuation #RetirementPlanning #BusinessandIndustryRegulation #FinancialPlanning #FinancialAdvisers #NassimKhadem

#superannuation #retirementplanning #businessandindustryregulation #financialplanning #financialadvisers #nassimkhadem

ABC Feeds @[email protected] · 2026-08-09 · 18:50 UTC

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.

https://www.abc.net.au/news/2026-08-10/superannuation-death-benefit-nominations-survey-finds-funds-fail/106991968

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

#superannuation #insurance #businessandindustryregulation #financialservices #financialplanning #financialmarkets

KDS Foundation @kierendaystudiosofficial.wordpress.com@kierendaystudiosofficial.wordpress.com · 2026-07-12 · 02:04 UTC

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 […]

https://kierendaystudiosofficial.wordpress.com/2026/07/12/why-do-so-many-small-businesses-fail-within-their-first-five-years/

#ai #artificialintelligence #branding #business #businessautomation #businessdevelopment

Braye S. @[email protected] · 2026-07-09 · 13:47 UTC

🏧 @marketwatch : Only 5% of U.S. adults can ace this 8-question financial-literacy test. Can you?

Think you’re smarter about finances than the average U.S. adult? Find out with this simple eight-question test.

👉 https://www.marketwatch.com/story/only-5-of-u-s-adults-can-ace-this-8-question-financial-literacy-test-can-you-93a57cc6?st=6PMKGF&mod=1440&user_id=66c4c6405d78644b3ab5e2a4

^ t a g s ^ #FinancialLiteracy #FinancialPlanning #MarketWatch #MoneySmart #RetirementPlanning #SmartMoney @zeugmatissse 2026.07.09

#financialliteracy #financialplanning #marketwatch #moneysmart #retirementplanning #smartmoney

DoRaleigh @[email protected] · 2026-07-07 · 15:00 UTC

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

#disabilityplanning #disabilityresources #estateattorney #estateplanning #familyplanning #financialplanning

Fllics @[email protected] · 2026-04-13 · 18:03 UTC

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…