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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 […]

What You Need to Know About Medicare

Maureen Baxter, CLU®, ChFC ® and Steven Joshua Samuel JD MBA AIF ® “Total projected lifetime health care premiums (Medicare Parts B and D, supplemental insurance, and dental insurance) for a healthy 65-year-old couple retiring this year are expected to be $321,994 in today’s dollars.” It’s more important than ever to understand health care costs […]