window.dataLayer = window.dataLayer || []; function gtag(){dataLayer.push(arguments);} gtag('js', new Date()); gtag('config', 'UA-45501574-1', { 'anonymize_ip': true });

Life Transitions

Home|Who We Help|Life Transitions
Life Transitions2020-09-03T15:32:52+00:00

Change can be difficult. Whether it’s sudden or expected, you need support.

A life-changing event, such as the death of a spouse, divorce, receiving a large inheritance, or other occurrences can have a significant impact on one’s financial situation.

  • I want to make sure my spouse has help if they outlive me.

  • I am suddenly on my own.

  • I received an inheritance and want to make sure I’m making smart choices.

Modera can help you to:

  • Navigate your financial plan in the face of your new normal.

  • Lower your investment risk.

  • Pay the least amount of taxes possible over time.

  • Maximize the way you use assets to fund your financial goals.

  • Be prepared for all the what-if scenarios.

Educational Articles

Home Refinancing: Golden Goose or Hidden Pitfall?

In the midst of 2020 market volatility, economic crisis and coronavirus fears mortgage rates just dropped to the lowest in recorded history. While home mortgage rates were already quite low by historical standards, this new wave of even lower interest rates could potentially provide you with a great opportunity to refinance your current home mortgage. What should you consider before taking the refinancing plunge with the cheaper mortgage “golden goose”?

Good to Know|

Spousal IRAs: A Quick Guide

A “spousal” Individual Retirement Account (IRA) allows a spouse with little or no compensation from employment to open a separate IRA and complete contributions based on the other spouse’s income. I’ve put together this quick guide to help you evaluate whether a spousal IRA might be beneficial for you.

Good to Know|

Widowhood: How to Prepare, and What to Do Next

The shock of losing a spouse is perhaps the toughest emotional adjustment for anyone in their lives. The financial decisions that follow the loss of your partner can also be immense and immediate. It is easy to become paralyzed and overwhelmed with what needs to be done, and when.

Good to Know|
Load More Articles
Go to Top