Vistica Blog
How Life Insurance Can Secure Your Child’s Future Care
If you're raising a child with disabilities, you know firsthand the mix of deep love, responsibility, and concern for the future that defines your journey. One of the biggest questions that keeps many parents awake at night is: What will happen to my child when I’m no longer here?
Prepare the Next Generation: Teaching Financial Literacy in Affluent Families
Affluent families face a unique challenge. They must pass down capital and the skills to preserve and grow it. Statistics underscore the stakes. Seventy percent of wealthy families lose their wealth by the second generation, and ninety percent by the third generation. Meanwhile, baby boomers are transferring $84.4 trillion to heirs through 2045.
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“One Big Beautiful Bill”: What’s Changing, What’s Staying, and What's Next
Congress recently passed a sweeping tax and spending policy bill with lots of long-term implications. Much of the news coverage has focused on its difficult legislative path and the potential political, economic and social consequences. But like many people, you’re probably wondering what this new legislation means for you and your family.
Trusts and Special Needs Planning: Provide for Loved Ones Without Jeopardizing Benefits
Caring for a loved one with special needs requires careful financial planning. Many government assistance programs have strict income and asset limits, meaning that leaving money directly to a loved one can disqualify them from essential benefits.
A Smart Retirement Strategy: Coordinate Social Security and Pension Benefits
Retirement planning involves saving and strategic coordination of income sources. Social Security and pensions are two significant streams of retirement income. Understanding their interaction can maximize financial security.
Financial discussions with your parents: A crucial step toward securing their financial well-being
Discussing finances with your parents can be challenging, but ensuring their financial security and preparing for future responsibilities is critical.
Managing Your Retirement Plan During Times Of Inflation
It doesn’t make headlines like a stock market crash, but inflation quietly chips away at the purchasing power of your savings.
Should I Convert My IRA to a Roth for My Disabled Child’s Inheritance?
When planning for a disabled child’s inheritance, parents and guardians face complex financial decisions. One is particularly impactful: whether to convert a traditional IRA to a Roth IRA.
Avoiding Pitfalls: How Assets Can Impact Your Child’s Government Benefits
For families of children with disabilities, managing assets to preserve government benefits requires careful planning. Programs like Supplemental Security Income (SSI) and Medicaid are essential resources that provide financial and healthcare support.
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