Financial and Life Planning Resource Directory

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Money
Money: Retirement planning
Money: Expense management, budgeting
Money: Debt management, mortgages
	Rainville, Gerard, AARP Bulletin Survey on Consumer Debt and Loans
		AARP Public Policy Institute, July 2009 http://assets.aarp.org/rgcenter/econ/bulletin_debt_09.pdf Rainville finds that those age 18-49 and those age 50+ do not differ in regard to their levels of debt and their ability to take action to reduce these financial obligations.
	Webb, Anthony, Should You Carry a Mortgage into Retirement?
		Boston College Center for Retirement Research, July 2009, Free http://crr.bc.edu/images/stories/Briefs/ib_9-15.pdf Webb argues that you should carry a mortgage into retirement, but instead pay off the mortgage if liquidity allows, since you will be unlikely to achieve risk-free investment returns that exceed your mortgage interest rate.
Money: Investments, asset management
Money: Social Security, pensions, annuities
Money: Health care costs, insurance
Money: Planning for late-life fraility
	Moorman, Sara M. and Carr, Deborah, "Spouses' Effectiveness as End-of-Life Health Care Surrogates: Accuracy, Uncertainty, and Errors of Overtreatment or Undertreatment", Gerontologist, December 2008 (Vol. 48)
		http://gerontologist.gerontologyjournals.org/cgi/content/abstract/48/6/811 Moorman and Carr report that surrogates were accurate in the majority of cases in matching patients' wishes, but that results could be improved if health care professionals facilitated conversations between patients and their family caregivers.
	Stiegel, Lori A., and Klem, Ellen M. , Power of Attorney Abuse: What States Can Do About It
		American Association for Retired Persons, November 2008, Free http://assets.aarp.org/rgcenter/consume/2008_17_poa.pdf Comparison of current state laws with the new Uniform Power of Attorney Act.
	Zedalis, Joe, "Elder Life Planning: An Integrative Process – Part 3: Analyzing Assets", Integrative Adviser, March 2009 (Vol. 2, No. 1)
		http://www.aiflp.org/pdfs/IntegrativeAdviserNo0201.pdf, Free Zedalis discusses the importance of integrative planning in asset management and protection for retirees, especially in connection with planning for long-term care.
Money: Life insurance, legacy planning, estate planning
	Lee, Shelley A., "Betting the Farm: Estate Planning for Middle-Income Clients", Journal of Financial Planning, April 2010 (Vol. 23, No. 4)
		Lee presents insights from a variety of financial planners concerning the need for estate planning even among people who consider themselves middle income types, and who don’t realize that there may be a problem.
	Leimberg, Stephan R., et al, "Life Settlements: Know When to Hold and Know When to Fold (A Professional Advisor’s Guide to the Life Settlement Decision-Making Process)", Journal of Financial Service Professionals, 2008
		The authors offer a method for analyzing when life settlements are appropriate.
Money: Family financial transactions
	Coe, Norma B., and Webb, Anthony, Actual and Anticipated Inheritance Receipts
		Boston College Center for Retirement Research, December 2009, Free http://crr.bc.edu/images/stories/Working_Papers/wp_2009-32.pdf Coe and Webb observe that most inheritances are modest, and so, while data suggest that actual inheritances tend to be in line with expectations, these do not affect the saving behavior of most people.
	Nemzoff, Ruth, and Weiss, Wendy, "Your Money and Your Adult Children – The Challenges They Present", Integrative Adviser, March 2009 (Vol. 2, No. 1)
		http://www.aiflp.org/pdfs/IntegrativeAdviserNo0201.pdf Nemzoff and Weiss discuss the potential problems and some useful approaches for older parents to use in dicussing their own finances, and potential financial legacies, with their adult children.
Money: Other / general / not-specified