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Retirement Account Caution: Change in Firm or Provider Requires Confirmation of Beneficiaries

Here is something to be aware of if you have IRA, 401(k), 403(b) or other retirement account.  At Samuel, Sayward & Baler  we are careful to advise you about how to designate the beneficiaries of your retirement accounts consistent with your estate plan.  In some cases, customized beneficiary designations are required to ensure these accounts […]


Q:        It’s likely that my mom will need to go into a nursing home soon.  She does not have a lot of money but she still owns her home.  Will we need to sell her house to pay for her care? A:        As with all long-term care matters, your question is more complicated than it […]


By Steven Joshua Samuel JD, MBA, AIF® Is “getting organized” in 2019 on your list of New Year’s resolutions? It is on my list of resolutions, so, for starters, I created a checklist of health, legal and money issues. I hope you find it helpful! Health Don’t assume that your Primary Care physician will keep […]

How to Prepare for a Bear…..After Ten Years of Bull (markets)

As the US stock “bull market” enters its tenth year since beginning in 2009 (meaning ten years of increasing stock prices), articles about “the coming bear market” (a stock market drop of 20% or more) have been appearing in the financial press with some frequency. For retirees and people considering retiring in the next few years, the […]


Q: What is the difference between a Will and a Trust? A: That is an excellent question and one we get from many people. Both Wills and Trusts are documents used to direct how assets will be distributed when the maker of the Will or Trust dies.  However, a Trust can do so much more […]

Ask Samuel, Sayward & Baler LLC

Q:       My daughter is going through a divorce and a friend told me that in Massachusetts my son-in-law is entitled to information about MY assets in connection with their divorce – can this possibly be true?  A:        Believe it or not, it’s true.  In Massachusetts, a divorcing spouse can subpoena the parents of his spouse […]

Retirement Planning: Are You Taking Steps to Assure Peace of Mind?

By Steven Joshua Samuel JD, MBA, AIF® If you plan to stop working within 10 years or so, you may be taking steps to prepare or at least be wondering what you should be doing to feel financially secure.  A Brighthouse Financial survey recently asked people nearing retirement about their concerns and the issues with which they […]