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4 Steps to Financial Security for Lesbian and Gay Couples: by Harold L. Lustig

By Harold L. Lustig

The 1st monetary consultant adapted solely TO LESBIAN AND homosexual ON how one can safeguard THEIR resources whilst legislation FAIL

Lesbian and homosexual can in attaining strong, long term monetary security--but they should arm themselves with foresight, know-how, and proof. That's what this ebook is all approximately. Now, drawing on greater than twenty years' event as a monetary adviser to lesbian and homosexual undefined, Harold L. Lustig has written the definitive monetary advisor for you and your partner.

Through Lustig's 4 easy-to-follow steps to financial security--PLAN, PLAN, PLAN; guard WHAT'S YOURS; imagine group; USE NON-CONVENTIONAL knowledge AND TAKE ACTION--this useful e-book supplies possible monetary innovations and up to date details on

- property planning--why it's specifically very important for you and your enjoyed one
- Tax benefits on hand to you--and to not legally famous couples
- lowering your tax load via charitable contributions and moving assets
- A family associate agreement--why it truly is serious on your monetary well-being
- heading off the "gay penalty" on long term healthiness care and retirement plans
- suggestions for investment a faculty education--without losing into the red
- Reentering the task industry while you are HIV positive
- paying for and fine-tuning incapacity insurance
- The evidence approximately joint ownership
And a lot more!

Despite destructive legislation, you could guard your resources, offer for retirement, keep away from discriminatory consequences, and confirm that you just and your associate take pleasure in and proportion what you've earned jointly. From development and shifting wealth with existence coverage to making files that shield you while marital legislation don't, this transparent, shrewdpermanent, useful advisor presents the basic monetary details that each lesbian and homosexual couple wishes and merits.

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Extra resources for 4 Steps to Financial Security for Lesbian and Gay Couples: Expert Advice for Reducing Your Tax Burden, Increasing Your Wealth, and Protecting Each Other

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If the father begins to collect Social Security retirement benefits while his young child still lives at home, the child may qualify for as much as half the father’s benefit (75 percent of the benefit if the father dies). Social Security may make no distinction among biological children, adopted children, and stepchildren. For that matter, a dependent grandchild may also qualify. ) Say Johnny is a securities lawyer married to a much younger woman. When Johnny hits 60, his 30‐year‐old wife, Larissa, gives birth to a daughter, Janniva.

Where do you fit on the spectrum? Of course, the decision on when to start collecting Social Security is personal. Your priorities and needs, your spouse’s needs, your financial resources, your health, and your expected longevity all can shape your attitude about collecting Social Security. Your decision on when to begin collecting Social Security retirement benefits may be the most important financial decision you ever make. Starting too early can cost you tens of thousands of dollars. Worse, jumping the gun may hurt the most in your final years, when it’s too late to do anything about it.

Disabled survivors Special rules also apply to disabled survivors, who may be eligible for benefits at a younger age than widows in good health and without dependent children. 5 percent from what they would be if the beneficiary waited until full retirement age to collect. How benefits are earned In order for family members to get survivor’s benefits, the deceased worker must build up credits based on his or her working record. But the rules are somewhat different than for retirement benefits. The exact requirement depends on the age of the worker.

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