Trust & Estate Planning

Medicare Open Enrollment

Medicare Open Enrollment, also known as the Annual Enrollment Period (AEP), runs from October 15 through December 7 each year. During this time of year you can change your Part D plan or change your Medicare Advantage plan. If you have original Medicare combined with a Medicare Supplement and Part D plan (prescription drug coverage)…

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What Happened While We Watched the Election Ads?

With the election behind us, perhaps we can start thinking about other things and even focus on some events that we may have missed during the fall campaign.  On October 7, the New Jersey Legislature and Governor approved a tax deal that would raise the state gas tax and on November 8, New Jersey voters…

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Gifting Wisely

Most of us are familiar with the concept that we can gift a certain amount of money to another person every year without gift tax consequences and that there is a limit to lifetime gifts beyond that amount that we can give away that somehow relates to estate taxes when we die.  For 2016, those…

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A Successful Business Requires Strong Governance

Begin With the Business Structure  Good governance starts with the initial organization (or reorganization) of a business. For the sake of simplicity, we’ll focus on governance issues in the context of a corporation, which is required by law to have a board of directors and officers and to observe certain other formalities. Other business structures,…

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Empty Nest? It’s Time for a Financial Update!

It is inevitable that your kids will grow up and someday move out of your house.  Life will no longer revolve around their schedules.  This can be a difficult emotional transition as you move into the next phase in life as an empty nester.  After you deal with the emotional aspect of the lifestyle change,…

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It’s Wedding Season. Have You Considered All You Need To Do When You Get Married?

Your wedding planning checklist may look something like this: 1. Dress – bought 2. Tux – need 3. License – file 4. Guest list – finish; however, it would be prudent for you to include on it some financial to do’s, such as: Review and modify beneficiary designations Review insurance coverage Make timely name and address changes Review combined net worth…

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Mercadien Group Managing Directors earn prestigious PFS credential

The Mercadien Group is pleased to announce that two of the firm’s managing directors, Marguerite L. Mount and Michelle V. Everman, have been awarded the Personal Financial Specialist (PFSSM) credential by the American Institute of Certified Public Accountants (AICPA), joining an elite group of professionals who have demonstrated advanced knowledge of tax, estate, retirement, investment…

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Should I Consider Long-Term-Care Insurance?

As the first baby boomers approach their 70s in a healthier state than any prior generation, and as medical expertise and technology improve, it is vital that they address the possibility of needing long-term care. According to a recent study by Bankers Life and Casualty Center for a Secure Retirement, 70% of all Americans between…

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