Author: HM Payson

Lifetime giving and next generation financial literacy
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Lifetime Giving and Next Generation Financial Literacy

Ask the ExpertSponsored Content by HM PaysonLifetime Giving and Next Generation Financial Literacy The process of estate planning generally involves developing a plan to pass family wealth from an older generation to a younger generation while minimizing or eliminating estate taxes. Transferring wealth to the next generation can be accomplished [...]
A Grandparent’s Guide to Helping Pay for College Education
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A Grandparent’s Guide to Helping Pay for College Education

Ask the ExpertSponsored Content by HM PaysonA Grandparent’s Guide to Helping Pay for College Education It is no secret the cost of higher education has increased dramatically over the years. This year, the average tuition for an in-state public university is about $30k/year and many top-tier private colleges now have [...]
HM Payson
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5 Long-Term Care Factors to Include in Your Retirement Plan

Ask the ExpertSponsored Content by HM Payson5 Long-Term Care Factors to Include in Your Retirement Plan The medical definition of long-term care is “a facility that provides ongoing rehabilitative, restorative, and/or skilled nursing care to patients needing assistance with daily living activities.” When you’re enjoying your prime earning years, it’s [...]
HM Payson, Retirement Considerations for Women
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Retirement Considerations for Women

Ask the ExpertSponsored Content by HM PaysonRetirement Considerations for Women Retirement is a major life transition for every person, however, there are unique considerations for women approaching retirement due to something known as the retirement gender gap. The retirement gender gap is a disparity in retirement savings and planning that [...]
HM Payson
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Control Your Emotions for Investment Success

Ask the ExpertSponsored Content by HM PaysonControl Your Emotions for Investment Success Buy low and sell high. Such a simple concept and one of the basic tenets of investing. Why do so many people struggle to follow this advice? Nobel Prize–winning economics professors and behavioral finance experts analyze this conundrum [...]
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Rethinking Asset Allocation for Retirees

Ask the ExpertSponsored Content by HM PaysonRethinking Asset Allocation for Retirees Prior to the financial crisis of 2008, retirees had fairly straightforward asset-allocation decisions to consider. Financial advisors commonly recommended that one’s portfolio should shift to a 60/40 stock-to-bond ratio upon retirement. The rationale for such a recommendation was to [...]