May 5, 2017

August 17, 2006 President Bush signed into law the Pension Protection Act of 2006 (The Act).  The Act has greater value with the possibility Medicaid planning could change significantly making it more difficult for people to qualify.  Leveraging savings to be able to s...

April 12, 2017

We have our attorney put together an estate plan be it a will, living trust, or a combination of both.  Why do we put together such a plan?  After working hard, upon our passing, we want our money to go to those we identify to receive it.

It is common to use what i...

April 12, 2017

From 1990 through 1998 I worked for a financial services consulting firm.  My role was to train and assist bank personnel with making available to their customers alternative financial products such as annuities, mutual funds, long-term care insurance, and life insuran...

April 12, 2017

Know your client” is an investment securities mandate but it should be part of the practice of all financial professionals.I had an Elder Law attorney refer a case to me where the husband had dementia and the healthy spouse was concerned if she could pay the facility w...

March 18, 2017

Most of us are aware of the opportunity to rollover or transfer retirement accounts such as IRAs without income tax consequence.  Some are familiar with 1031 exchanges allowing a sale of one property and the purchase of another deferring the taxation to sometime in the...

February 24, 2017

I woke up to the smell of bacon.

My mother always said, when I was excited for the next day, the sooner you go to sleep the faster the night will go.  When I woke I thought how fast the night went. I love bacon but what I loved more was my new baseball uniform and the t...

January 27, 2017

Setting up ownership correctly as well as beneficiary designations is important.Let’s say a husband and wife co-own an annuity and they put the wife down as the annuitant on the application.They unknowingly make their son the primary beneficiary. She passes away and su...

January 24, 2017

Forty-four years ago Bob Dylan wrote the song These Times They Are A Changing.

As it pertains to our financial well being, Mr. Dylan’s 1964 song rings true today. When it comes to change there is good news and bad news. The good news is we will probably live longer than...

January 24, 2017

A FAMILIAR FEELING

When I entered the room it had a familiar feel. It reminded me of visiting my father and others I have helped. As an asset protection/ long-term care specialist I have worked with seniors for many years.  I've always liked looking at family pictures w...

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Bend, OR. 97701

Tel: 503-680-0251​

david@almond-financial.com

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